Car insurance discounts for nurses

If you’re a nurse, your occupation can get you a discount on car insurance. Make sure you know how to take advantage of that.

Anna Swartz 1600

Anna Swartz

Published November 13, 2019

KEY TAKEAWAYS

  • Nurses may be able to get a small discount on car insurance just because of their occupation

  • If you’re a nurse you may also qualify for a discount through a union or professional organization

  • But those discounts will be relatively small, so you should still make sure you’re taking other opportunities to save on car insurance

When you buy a car insurance policy, your premium is calculated based on a number of factors that are specific to you, like your age, ZIP code, and driving history. But your occupation also has an effect on your car insurance rates, and if you’re a nurse, you may qualify for special discounts.

Nurses are the backbone of care for so many patients in schools, hospitals and homes across the country — but being a nurse can also qualify you for some car insurance savings, either through an organization or by virtue of your job title alone.

However, any car insurance discount you get for being a nurse will be relatively small, so you should also know about other ways to lower your car insurance costs.

In this article:

How are car insurance rates calculated?

As we mentioned above, your car insurance premium is based on a number of individual factors that car insurance companies use to calculate how much of a risk you’ll be to insure. The more likely you are to file a claim, according to an insurer, the more you’ll pay for vehicle insurance.

Some of the factors that go into calculating your car insurance rates include:

  • Your age
  • Your driving history, including any recent accidents or violations
  • Your credit score
  • The make and model of vehicle you drive
  • Your address and ZIP code
  • Your insured history, specifically whether you’ve had any lapses in car insurance

The details of your policy will also affect your premium. But your occupation can be a factor in car insurance costs as well, especially if you’re a nurse or another kind of medical professional.

Do nurses get a discount on car insurance?

The short answer is, sometimes. If you’re a nurse or another kind of medical professional, when you tell a car insurance provider your occupation — which is a standard step when applying for car insurance — your job may get you a small discount on your car insurance premium.

Your savings based on occupation will be relatively minor, probably 5% or less, and these discounts don’t just apply to registered nurses.

Other medical professionals will also get these savings, as will people employed in other fields entirely, like teachers, for example. Basically, car insurance companies have a long list of occupations that will earn you some degree of savings on your car insurance costs, and if you don’t qualify for any of them then you’ll find yourself paying a little more for your car insurance policy.

There’s another way nurses can save on car insurance, though, and it’s more of a straightforward discount. If you’re a nurse and you’re affiliated with a professional organization, like the American Nurses Association, a union for nurses or medical professionals, or an alumni group, you may qualify for an affiliation discount with a specific provider.

Check with any nursing organizations or groups you’re a part of to see if your membership benefits include a discount with a specific car insurance carrier, like Nationwide, MetLife, or GEICO.

You can also check with the car insurance carrier to see if your organization is among those they’ll give discounts to. Affiliation discounts will be slightly more significant than the savings you’ll earn just for your occupation, but you should still look into other ways to save on car insurance.

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How to lower your car insurance costs

Being a nurse may be able to earn you some minor savings on your car insurance costs, but it’s important to take advantage of other ways to save. If you feel like you’re paying too much for car insurance, make sure you’re doing everything you can to bring down your costs.

Here are some reliable ways to make sure your car insurance stays affordable:

1. Bundle your home and auto insurance. If you don’t already get your home or condo insurance from the same carrier that provides your car insurance, you can usually save money by bundling the policies together with the same company. You can also save money by insuring multiple cars under the same policy.

2. Take advantage of other available discounts. Most major car insurance companies offer a wide range of discounts. Make sure you’re not missing out on any of those discounts, including:

  • Safe driver discounts for going multiple years without an accident
  • Discounts for paying your annual premium in full rather than monthly
  • Driver’s education discounts for completing a defensive driving course
  • Good student discount for maintaining above a certain GPA

3. Change your coverage amounts. In general, more coverage is better, but there’s a point at which you might be over-insuring yourself. If your liability coverage limits are sky-high, consider lowering them a bit to bring down your premiums. Or if one of your cars is an old clunker you don’t care about replacing, you may not need comprehensive and collision insurance.

4. Shop around for new coverage. This is one of the most reliable ways to save on car insurance. When’s the last time you shopped around for new coverage? If it’s been years, your rates have been steadily going up that whole time. You should definitely shop around and compare quotes from other carriers, just to see if you could be getting a better price for the same coverage.