Cheap Auto Insurance Quotes for Nurses in Vermont

Wouldn’t it be awesome if you could know instantly the company that has the cheapest insurance for nurses? Unfortunately, it’s not that simple as there are a whole slew of unknown aspects like if you have any prior insurance claims, if you have ever had a gap in coverage, and what level of deductibles you need, that all impact the cost of your policy. The content below covers the best ways to save money and educate you enough to have a solid foundation to find cheaper car insurance.

For health professionals, one of the more important factors that impact rate quotes is where you choose to live in Vermont. Areas with more people or more claims like Saint Johnsbury, Bristol, and Vergennes tend to have more expensive car insurance rates, whereas cities that are not as densely populated get the luxury of paying less.

The next table shows the higher priced cities in Vermont for nurses to buy auto insurance in.

Price information shown is comparative as the specific Vermont residence address can lower or raise premiums considerably.

Buying cost effective auto insurance is easier said than done, and finding out which companies quote the cheapest auto insurance rates for nurses calls for a little more work. Coverage rates may be a little bit less expensive than the average rate in Vermont due to the potentially lower risk that goes along with offering coverage for health professionals. Economical coverage should be available from a lot of different insurance providers.
Each insurance company has a different process for establishing rates, so let’s begin by examining the lowest cost auto insurance companies in Vermont.

It’s important that you understand Vermont auto insurance rates are impacted by many factors that can increase the price of coverage. That is why drivers need to take the time to shop around when trying to find the most affordable car insurance quotes for nurses. Prices are influenced by many different factors and change frequently, so the best company when you last compared rates may now be wasting a lot of money.

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Safeco normally has some of the best car insurance rates in Vermont at around $463 a year. California Casualty, USAA, The Hartford, and Travelers also make the cut as some of the best Vermont car insurance companies.

As shown in the rates above, if you have coverage with Travelers and switched to California Casualty, you may see a yearly price reduction of upwards of $189. Drivers with Unitrin might save as much as $198 a year, and Co-Operative Insurance policyholders might realize rate reductions of up to $272 a year.

It’s important to note that these premiums are averaged across all insureds and vehicles and and are not figured with a price decrease for nurses. So the auto insurance company that has the cheapest price for you may not even be in the company chart above. That point stresses why you need to compare as many prices as possible using your own personal information and vehicle type.

The model of vehicle needing coverage is one of the largest considerations when shopping for the best car insurance for nurses. Vehicles with economical engines, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than higher performance models. The information below ranks auto insurance premiums for some of the most economical vehicles to buy coverage for.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in specific location which can revise premiums greatly.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in garaging location in Vermont which can lower or raise price quotes noticeably.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in specific garaging location which can increase or decrease premium rates substantially.

Accidents and violations increase rates

The recommended way to maintain affordable auto insurance prices in Vermont for health professionals is to drive carefully and not get tickets or have accidents. The information below illustrates how traffic citations and at-fault claims impact yearly insurance costs for each different age category. The rates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

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In the chart above, the average cost of a car insurance policy in Vermont per year with no violations or accidents is $953. Factor in one speeding ticket and the average cost rises to $1,108, an increase of $156 each year. Then add one accident along with the one speeding ticket and the annual cost of auto insurance for nurses increases to an average of $1,543. That’s an increase of $590, or $49 per month, just for not being attentive to the road!

Allstate, Progressive, Geico, or State Farm: Who is best?

When buying car insurance, four good companies to start with are Allstate, Progressive, Geico, and State Farm. If you add them together, they insure over 48% of the entire U.S. market share. They all offer your standard coverages, but each one has a distict selection of optional coverages and features that you can select from. The following table compares pricing and service ratings, as well as optional policy coverages shoppers can expect to find with each one.