How Much Does Car Insurance Cost for Nurses in New York?

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” should not appear anywhere to describe car insurance prices. It’s just reality that cheap car insurance for nurses does not exist. Don’t let that spoil your day, because we can show you some ways you can quote coverage that may not be cheap, but it is affordable.

The car, truck, or SUV you are insuring is one of the largest considerations when comparing cheap insurance for nurses in New York. Vehicles with lower performance, modern passenger safety features, or a positive history of liability claims will cost less to insure than fast, unsafe models. The table below shows car insurance premiums for some of the most economical automobiles to buy coverage for.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates greatly.

By looking at the data, makes and models like the Ford Escape, Toyota Prius, and Honda CR-V are the cheaper vehicles to insure for health professionals.

Deciphering which company offers the best insurance rates for nurses takes a bit more work than just picking a company at random. Every insurance provider uses a slightly different approach to set policy rates, so we’ll go over the insurance companies with the overall cheapest rates in New York.

We do need to point out that New York insurance rates are calculated based on many things which can substantially change the cost of a policy. Simply having a birthday, getting married, or having an at-fault accident can trigger changes in premium that can make some companies cheaper than competitors.

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USAA may have some of the lowest car insurance rates in New York at around $1,163 each year. Erie, Travelers, Utica National, and Progressive also are some of the cheaper New York auto insurance companies.

In the rate table above, if you buy coverage from Utica National and switched to Erie, you might realize a yearly price reduction of around $316. Drivers with Progressive may save as much as $324 a year, and Allstate customers might reduce rates by $370 a year.

To see if your current coverage is too expensive, click here to start your custom quote or click several companies below for low rates.

It’s important to note that these policy prices are averaged across all drivers and vehicles and and are not calculated with a rate decrease for nurses. So the insurer that has the cheapest price for you may not even be included in the rate chart shown above. That emphasizes why you need to compare rates from multiple companies using your own driver and vehicle profiles.

For health professionals, one of the largest considerations that insurance companies take into consideration when calculating car insurance rates is where your car is garaged in New York. More populated areas like New York, Hempstead, and Yonkers tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.

The illustration below illustrates the higher priced cities in New York for nurses to purchase a policy in.

Prices are approximated as the specific New York residence address can change premium rates noticeably.

The example below demonstrates how deductibles can affect yearly insurance costs when trying to find cheap insurance for nurses. The rate quotes are based on a single female driver, comp and collision included, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2123,1953,1765,1591],[‘Age 30’, 1477,1353,1211,1077],[‘Age 40’, 1371,1257,1129,1007],[‘Age 50’, 1199,1103,989,881],[‘Age 60’, 1157,1065,957,853],[‘Age 70’, 1345,1237,1119,1007]]);var options = {title: ‘Comparison of Deductible Levels and Auto Insurance Prices in New York’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 30-year-old driver could lower their policy premium by $242 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $364 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, have the ability to save up to $532 or even more by selecting a higher deductible.

If you do raise deductibles, it’s a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

How accidents and violations affect rates

In a perfect world, the best way to get affordable insurance premiums for health professionals is to pay attention while driving and avoid accidents and traffic violations. The information below highlights how speeding tickets and at-fault fender-benders increase insurance rates for each different age group. The premiums assume a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1679,2173,2671],[‘Age 30’, 1181,1677,2171],[‘Age 40’, 1163,1663,2155],[‘Age 50’, 1023,1517,2017],[‘Age 60’, 975,1473,1969],[‘Age 70’, 1045,1543,2035]]);var options = {title: ‘Effect of Tickets and Accidents on New York Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New York’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,178. Factor in two speeding tickets and the average cost rises to $1,674, an increase of $497 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for nurses increases to an average of $2,170. That’s an increase of $992, or $83 per month, just for not being more responsible behind the wheel!

How to find cheap insurance for nurses in New York

The list below details some thrifty ideas that can help drivers locate lower-cost car insurance.

• Maintaining good credit helps earn cheaper rates
• Drive safely
• Lower rates by purchasing a safer vehicle
• Increase deductibles to save money
• Avoid accidents
• Do not waste money insuring older vehicles for full coverage
• Ensure you have the best deal by shopping around regularly

The last item on the list is particularly critical, as we hit on in the prior article. Coverage rates in New York go up and down frequently, so drivers shouldn’t hesitate to switch companies if a better rate can be found.

Staying with the same company for years is fine, but it’s not recommended if that loyalty ends up costing a small fortune year after year. Now is a great time to compare prices and find cheaper car insurance for nurses.