For health professionals, one of the big things that aid in calculating auto insurance rates is where you normally keep your vehicle. More densely populated places tend to have higher rates, whereas less populated areas have the luxury of cheap car insurance rates.
The table below shows the highest-priced places in California for nurses to purchase car insurance in. San Jose makes the list at #20 costing $1,395 for car insurance, which is around $116 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,626 |
| 7 | Santa Clarita | $1,580 |
| 8 | San Bernardino | $1,580 |
| 9 | Fontana | $1,566 |
| 10 | Stockton | $1,556 |
| 11 | Moreno Valley | $1,536 |
| 12 | Garden Grove | $1,524 |
| 13 | Fresno | $1,502 |
| 14 | Santa Ana | $1,497 |
| 15 | Riverside | $1,497 |
| 16 | Modesto | $1,487 |
| 17 | Anaheim | $1,430 |
| 18 | Fremont | $1,403 |
| 19 | Huntington Beach | $1,402 |
| 20 | San Jose | $1,395 |
| 21 | Bakersfield | $1,381 |
| 22 | Oxnard | $1,358 |
| 23 | Chula Vista | $1,350 |
| 24 | San Diego | $1,340 |
| 25 | Irvine | $1,330 |
| Start a Quote Go | ||
Rate quotes are comparative as the specific San Jose residence address can influence premiums considerably.
Deciphering which companies have the most affordable insurance rates for nurses will take a little more work in order to find the best policy.
Every auto insurer has their own unique process to set their prices, so we will examine the most budget-friendly insurance companies in California. Keep in mind that San Jose, CA insurance rates are impacted by many factors which can substantially change the price you have to pay for coverage. Turning one year older, marrying your spouse, or getting caught speeding may generate price changes that can now make some companies more affordable than before.
Compare Cheap Insurance Quotes for Health Occupations
USAA may offer some of the lowest car insurance rates in San Jose at around $1,155 per year. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also rank well as some of the lowest-priced San Jose, CA auto insurance companies.
As illustrated above, if you are currently insured with Wawanesa and switched to USAA, you might see an annual savings of in the vicinity of $26. Customers with Nationwide may save as much as $58 a year, and Century National policyholders might realize rate reductions of up to $71 a year.
To discover how much you can save, click here or click several companies below for low rates.
Be aware that those premiums are averaged across all insureds and vehicles and do not factor in a specific vehicle garaging location for nurses. So the insurer that can offer you the lowest price may not even be in the top 24 companies shown above. That’s why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Ending up with the top auto insurance provider is difficult considering how many choices drivers have in California. The ranking information shown below can help you decide which car insurance providers to look at when shopping around.
These ratings are only made up of companies with a national presence, so smaller regional companies are not included in the list. To get price quotes and find cheaper insurance for nurses, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Should you buy full coverage?
Finding cheaper insurance is probably important to most drivers, and one easy way to reduce the cost of insurance for nurses is to only buy liability insurance. The information below compares insurance prices with and without full coverage. The premiums are based on no violations or accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.
As an overall average, physical damage insurance costs $2,558 per year over and above liability only. Many people question if buying full coverage is a good investment. There is no definitive formula for eliminating comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying your policy deductible. If you are paying over $500 annually for your policy with full coverage, then it may be the right time to buy liability only.
How to find low-cost car insurance for nurses
The list below summarizes some of the better money-saving suggestions that can help you get cheaper coverage.
- Buying home and auto insurance together can earn discounts
- Do not pay for comprehensive and collision coverage on older vehicles
- Maintain a clean driving record
- Accident-free drivers may qualify for discounts
- Safe vehicles generally have lower rates
- Too many claims can make car insurance unaffordable
- Ensure you have the best deal by shopping around regularly
The last idea is very important, as we discussed in this piece. Auto insurance rates can change considerably in a year, so don’t be hesitant to switch to a new company if you can save money.
Staying with the same car insurance company is fine, but is isn’t recommended if that stubbornness costs you thousands of dollars over the life of your policy. In just a few minutes you could shop around to find cheaper insurance for nurses in San Jose.
If you wish to get help from a professional when shopping around for cheaper insurance for nurses, the insurance agencies listed below are a good start to help you determine which insurance coverage you need. To find a San Jose insurance agency close to where you live, click the button at the bottom of the list or click here to compare price quotes now.
Tami Pratt – State Farm Insurance Agent
360 Kiely Blvd #125 – San Jose, CA 95129 – (408) 247-6800
HealthMarkets Insurance Agency
543 W Capitol Expy – San Jose, CA 95136 – (408) 441-7777
LNA Insurance Agency Inc
999 Story Rd – San Jose, CA 95122 – (408) 280-5815