These affiliations and discounts can vary by region. A personalized quote can give more accurate information on discounts available in a specific area.
Applicants should be ready to show proof of affiliation with the relevant nursing organization when applying for car insurance.
Even if an organization is not listed above, it may partner with car insurance companies to provide discounts to its members. Organizations often advertise these partnerships on their websites to promote membership, but should also be able to provide this information to those who contact the organization with questions.
Choose an insurer that offers occupation-based discounts
California Casualty and Nationwide are two insurers that consider nurses to be less risky because of their chosen profession and advanced education. Because of this, they offer lower rates for those with professional degrees. Note: special discounts can vary by state.
Snag traditional discounts
While nursing discounts are wonderful, they're not the only way to save money on car insurance. In fact, an insurer with a great nurse discount -- but no other discounts -- could be expensive compared to competitors.
Some other discounts that are available to all drivers, which nurses may be eligible for:
- Good driving: Often, safe drivers can be eligible for a discount. This generally means drivers who haven't recently been in an at-fault accident, haven't received a violation recently, or both.
- Vehicle safety: Cars with specific safety features can save on insurance with some insurers. Some features that could fall into this category include backup cameras and anti-lock breaks.
- Early bird: Sometimes, drivers can save by getting a quote before their current insurance expires.
- Low mileage: Some insurances allow drivers to report their mileage and offer a discount for lower mileage numbers.
Bundling home and auto insurance, as well as insuring multiple vehicles, also generally results in a discount.
How much can nurses save on car insurance?
Not much, unfortunately: The average car insurance nurse discount, according to PolicyGenius, is around $5 per month. A different estimate from The Zebra puts the number even lower at around $3 monthly.
But even a small amount can make a difference, especially when combined with other discounts.
The exact amount of money that nurses can save on car insurance varies based on many factors including region and professional affiliation. Comparing car insurance rates can help nurses find the best car insurance in their area.
Other tips for saving on car insurance
There are many other ways to save on car insurance. Some of these include:
- Taking a defensive driving course
- Raising your credit score
- Raising your deductible
- Changing your coverage
Although there are car insurance companies that cater specifically to nurses, it's prudent to shop around first before deciding on one insurer. Truth is, car insurance rates vary widely from company to company, even if the coverage is the same. Offering nurse discounts alone doesn't guarantee that one insurance company has a better rate than another. Only by gathering quotes and comparing rates can a nurse find the best price for them.
Fact Checked
Eric McWhinnie
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