The vehicle model driven is probably the biggest factor when consumers are trying to find low-cost auto insurance for nurses. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models.
The list below illustrates auto insurance rates for the most cost-effective automobiles to insure in California.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $1,164 |
| Honda Odyssey LX | $1,178 |
| Ford Escape XLT 4WD | $1,255 |
| Toyota RAV4 Limited 4WD | $1,269 |
| Dodge Grand Caravan SXT | $1,293 |
| Honda Civic LX-S 4-Dr Sedan | $1,309 |
| Honda CR-V EX 2WD | $1,314 |
| Ford Edge SE 2WD | $1,347 |
| GMC Sierra SLT Extended Cab 4WD | $1,359 |
| Chevrolet Equinox LTZ 2WD | $1,366 |
| Ford F-150 XLT Regular Cab 4WD | $1,375 |
| Chevrolet Malibu Hybrid | $1,453 |
| Toyota Prius | $1,458 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,481 |
| Ford Explorer Eddie Bauer AWD | $1,490 |
| Chevrolet Impala LS | $1,526 |
| Toyota Camry XLE | $1,528 |
| Toyota Corolla LE | $1,534 |
| Jeep Grand Cherokee Limited 2WD | $1,556 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,561 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific garaging location which can alter auto insurance rates considerably.
By looking at the data, we can presume that cars like the Hyundai Elantra, Honda Odyssey, and Ford Escape are likely to be a few of the most economical vehicles to insure for health professionals.
Figuring out which companies quote the most affordable car insurance rates for nurses will take more time than just comparing rates from one or two companies. Each auto insurance company has a different process to establish rates, so let’s take a look at the car insurance companies with the overall cheapest rates in Stockton, CA.
It’s a good idea to know that Stockton, CA car insurance rates are based on many factors that may substantially change the cost of your policy. Simply getting older, increasing liability limits, or getting a ticket for careless driving can produce rate changes that can make some companies more affordable than the competition.
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Wawanesa quotes some of the most affordable car insurance rates in Stockton at around $1,146 annually. This is $505 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide would also make the list of some of the cheaper Stockton, CA insurance companies.
As shown in the table above, if you have coverage with CSAA and switched to Wawanesa, you may realize an annual savings of roughly $76. Insureds with Nationwide may save as much as $80 a year, and 21st Century customers might realize rate reductions of up to $179 a year.
To find the cheapest rates for your vehicle, click here to start your free quote or feel free to get quotes from the companies below.
Be aware that those policy prices are averaged for all types of insureds and vehicles and and are not calculated with a vehicle location for nurses. So the company that fits your situation best may not even be in the top 24 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
Liability rates compared to full coverage
Saving money when shopping for car insurance is the goal of the majority of drivers, and an effective way to lower the cost of insurance for nurses is to only pay for liability coverage. The information below shows the comparison of car insurance costs with and without full coverage. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
On average, physical damage coverage on your policy costs $2,314 per year more than carrying just liability coverage. Many drivers may wonder if buying full coverage is a good investment. There is no set guideline of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your vehicle’s replacement value is $8,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,500 after you pay the deductible. If you are paying in excess of $750 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some situations where only buying liability is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Get discount Stockton insurance
Auto insurance companies that offer quotes for nurses may have special discounts that can lower rates by as much as 25% or more if you can meet the requirements. Large car insurance companies and a partial list of their discounts are shown below.
- Progressive discounts include online quote discount, homeowner, multi-policy, continuous coverage, and good student.
- MetLife may include discounts for good driver, claim-free, accident-free, defensive driver, multi-policy, good student
- Mercury Insurance policyholders can earn discounts including good driver, multi-policy, multi-car, professional/association, and low natural disaster claims.
- Nationwide offers premium reductions for Farm Bureau membership, good student, accident-free, easy pay, multi-policy, business or organization, and anti-theft.
- GEICO includes discounts for air bags, driver training, five-year accident-free, multi-vehicle, multi-policy, and seat belt use.
- AAA has discounts for good student, anti-theft, AAA membership discount, multi-car, and pay-in-full.
The example below illustrates the difference between car insurance costs with and without discounts applied. The data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, accident-free, safe-driver, defensive driving course, claim-free, and multiple vehicle discounts applied. When these discounts are applied, theaverage amount saved on car insurance for nurses is 28% or $830.
Why you should be shopping around
Stockton car insurance rates are influenced by many factors that may substantially change the cost of your policy. Turning one year older, increasing deductibles, or getting a ticket for running a stop sign can cause premium changes that can now make some companies cheaper than others. And not only may your rating factors change, but insurance companies file new California auto insurance rates as often as every quarter to help ensure profitability. Heavier than normal losses may result in increased rates, while better underwriting can produce more affordable Stockton car insurance rates.
The data below shows which companies have the cheapest car insurance in Stockton, CA for a 45-year-old female driver with no violations or accidents, and good credit. If we estimate rates based on her current risk factors, USAA has the lowest car insurance rates in Stockton at $1,344 annually. This is $307 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining best Stockton, CA auto insurance companies.
The chart below compares rates after we give the driver in the first chart a claim or two, less-than-perfect credit, and a speeding citation. Due to the fact that every insurance company uses their own method to determine rates, analyzing rate quotes could result in a different list of the cheapest Stockton car insurance companies as shown below.
Grange now has the best price on car insurance in Stockton with Mercury, Progressive, Allied, and Allstate now rounding out the top five. This shows why it is critical to shop around when trying to find cheap insurance quotes for nurses.
Auto insurance prices are made up of many things and can decrease or increase without notice, so the best company the last time you checked may now be priced much higher than other options.