The words “low-priced” and “auto insurance” really should not be used together, in particular when trying to find the best insurance rates for nurses. Because it’s not cheap, let’s introduce you to some situations that have an impact on auto insurance premiums, and figure out some ways to take the bite out of your next policy.
For health professionals, one of the big criteria that determine auto insurance rates is your zip code. Areas with more people or even just a higher incidence of claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The next table ranks the most expensive cities in Colorado for nurses in which to buy car insurance. Aurora comes in at #4 costing $1,361 for the average policyholder, which is approximately $113 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Denver | $1,397 |
| 2 | Pueblo | $1,397 |
| 3 | Commerce City | $1,368 |
| 4 | Aurora | $1,361 |
| 5 | Lakewood | $1,337 |
| 6 | Northglenn | $1,329 |
| 7 | Ken Caryl | $1,326 |
| 8 | Arvada | $1,308 |
| 9 | Security-Widefield | $1,304 |
| 10 | Centennial | $1,304 |
| 11 | Westminster | $1,284 |
| 12 | Thornton | $1,281 |
| 13 | Colorado Springs | $1,277 |
| 14 | Brighton | $1,273 |
| 15 | Littleton | $1,254 |
| 16 | Castle Rock | $1,248 |
| 17 | Parker | $1,233 |
| 18 | Highlands Ranch | $1,229 |
| 19 | Broomfield | $1,179 |
| 20 | Boulder | $1,171 |
| 21 | Grand Junction | $1,166 |
| 22 | Longmont | $1,144 |
| 23 | Greeley | $1,110 |
| 24 | Fort Collins | $1,100 |
| 25 | Loveland | $1,063 |
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Information shown are comparative as vehicle location can revise coverage rates noticeably.
The car, truck, or SUV that is being insured is a large consideration when shopping for cheaper car insurance for nurses. Vehicles with lots of speed or power, poor safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.
The next table showcases car insurance costs for the most cost-effective vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,554 |
| Ford Escape XLS 2WD | $1,561 |
| Honda Odyssey LX | $1,554 |
| Toyota Prius | $1,570 |
| Ford Explorer XLT AWD | $1,586 |
| Ford F-150 XLT Super Cab 2WD | $1,592 |
| Ford Edge SE 2WD | $1,699 |
| Hyundai Elantra SE 4-Dr Sedan | $1,769 |
| Toyota Camry XLE | $1,778 |
| Toyota Tacoma X-Runner 2WD | $1,769 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,801 |
| Chevrolet Malibu LTZ | $1,808 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,801 |
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Table data does not factor in specific Aurora, CO garaging location which can influence price quotes considerably.
Looking at the numbers, you can expect models like the Honda CR-V, Ford Escape, Honda Odyssey, and Toyota Prius will definitely be some of the cheapest vehicles to insure for health professionals.
How violations and accidents impact rates
The recommended way to get the best car insurance premiums for health professionals is to be an attentive driver and avoid accidents and violations. The information below highlights how speeding tickets and accident claims increase annual premium costs for different age groups. The premiums assume a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
The data above shows the average cost of car insurance in Colorado per year with no violations or accidents is $1,576. Add in two speeding tickets and the average cost swells to $2,175, an increase of $599 each year. Now add one accident along with the two speeding tickets and the 12-month cost of car insurance for nurses jumps again to an average of $2,772. That’s an increase of $1,196, or $100 per month, just for not driving attentively!
Get discount Aurora car insurance rates
Car insurance companies that provide policies for nurses may have rate discounts that may potentially lower prices by as much as 40% or more if you are eligible to receive them. The best car insurance companies and their offered discounts are detailed below.
- State Farm offers discounts including good student, passive restraint, Steer Clear safe driver discount, driver’s education, and anti-theft.
- Liberty Mutual may offer discounts for teen driver discount, newly retired, multi-car, new vehicle discount, hybrid vehicle, and safety features.
- American Family may include discounts for mySafetyValet, air bags, multi-vehicle, good student, Steer into Savings, early bird, and defensive driver.
- Progressive has discounts for multi-policy, good student, homeowner, online quote discount, online signing, multi-vehicle, and continuous coverage.
- Farmers Insurance discounts include multi-car, mature driver, business and professional, early shopping, and good student.
- Auto-Owners Insurance offers premium reductions for paid in full, company car, safe vehicle, group or association, anti-lock brakes, and air bags.
- SAFECO policyholders can earn discounts including teen safe driver, anti-theft, safe driver, multi-car, homeowner, and bundle discounts.
The illustration below compares insurance prices with and without discounts applied to the policy rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Colorado state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, passive restraint, multiple vehicle, safe-driver, vehicle safety, and marriage discounts applied. With discounts applied, theaverage yearly reduction on car insurance for nurses is 28% or $584.
Your low-price policy may be costing you money
Colorado car insurance rates are determined by lots of factors that can increase the price you have to pay. Simply having a birthday, buying higher coverage limits, or getting a driving violation may generate price changes that can now make some companies cheaper in comparison to the competition.
Not only that, but companies file new Colorado car insurance rates without warning to help ensure profitability. A period of higher than normal claims may result in additional price hikes, while better underwriting can cause lower-cost Aurora car insurance rates.
The chart below shows a variety of companies that have the cheapest car insurance in Aurora, CO for a 45-year-old female driver with a clear driving record, no claims, and good credit. If we estimate prices based on her current risk factors, The Hartford offers the best car insurance rates in Aurora at $1,152 each year. This is $426 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO are the remaining cheapest Aurora, CO auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison some claims, poor credit, and a traffic citation. Since each auto insurance company has a proprietary formula for setting prices, comparing quotes may result in a significantly different list of the cheapest Aurora car insurance companies as shown below.
Travelers now has the cheapest car insurance in Aurora with State Farm, American Family, Grange, and Progressive also being competitive. This shows why consumers need to take the time to shop around to find the cheapest auto insurance quotes for nurses. Prices are influenced by many different factors and change substantially, so the cheapest rate three years ago may now be one of the higher cost companies.
How to find budget-friendly auto insurance for nurses
Here are some of the better penny-pinching suggestions that can help Aurora drivers buy lower-cost coverage.
- Avoid speeding and other traffic citations and pay less
- Raise deductibles
- Avoid accidents and claims
- Frequent claims will increase rates
- Save money by only buying liability coverage for older vehicles
- Look for cheaper rates once a year by shopping around
That last piece of advice is remarkably crucial, as was stressed in the prior information. Prices charged by car insurance companies in Aurora adjust often, so don’t be tentative to buy from a new company if you find a cheaper price. Brand loyalty is not necessarily bad, but it isn’t a good idea if that stubbornness costs you lots of hard earned cash every month. It takes less than five minutes to shop around and find cheaper auto insurance for nurses.
If you prefer to get some professional advice when comparing insurance rates for health professionals, the agents shown below are willing to provide answers to your questions and help you determine which coverages and limits you need.
To locate an Aurora insurance agent by location nearest to you, click the button at the bottom.
- All Drivers Insurance
12142 E Mississippi Ave – Aurora, CO 80012 – (303) 695-1000 - Denise Smith – State Farm Insurance
1278 S Chambers Rd – Aurora, CO 80017 – (303) 343-3515 - State Farm: Joel Kruschwitz
9801 E Colfax Ave – Aurora, CO 80010 – (303) 344-1175 - Dickson Insurance Agency
4093 S Olathe Ct – Aurora, CO 80013 – (303) 693-1936 - Bob Massie – State Farm Insurance Agent
15290 E 6th Ave #220 – Aurora, CO 80011 – (303) 364-8298