Nursing is a rewarding field filled with dedicated, hardworking women and men, who often work far too many hours with far too few benefits or rewards. While there are some that would argue that the field does pay well, you might consider the number of hours that the average nurse puts in and then further consider the amount of work that is crammed into each of those hours. After all is said and done, there is no amount of compensation that truly equals the sacrifices that the nurses of the world give to their profession, and for that, they are owed more than a small debt of gratitude. If you are a nurse, you are seen by insurance companies as a more responsible and risk adverse person. This qualifies you for discounts on your auto insurance.
Look for Every Discount, Even the Hidden Ones
Thankfully, there are some ways that nurses can save even a few dollars on their auto insurance. A nurse needs to not only have a reliable vehicle but they need to know that they are protected if something should happen to that vehicle in the event of a crash or another loss. Nurses use their vehicle not only to go to and from work once a day but some travel to various places to tend to people that cannot leave their homes. This does not even include all of the things that nurses must do for themselves and their families after their job is done. Worrying about the high cost of auto insurance is the last thing they need.
Ironically, the use of your vehicle as a professional could actually cost you more in insurance coverage unless you shop very carefully.
Start by Shopping Around
There are several ways to get the best price on auto insurance coverage. It is always important to start with reviewing the coverage and service plus prices of several carriers even if you are not a nurse. Once you have found a few companies that are comparable in these terms, you can investigate the additional discounts that you might be qualified for, including the professional discount for nurses. A quick way to determine if an insurance carrier offers these types of discounts is by using a service such as the American Nurses Association to see what insurance coverage and carriers are linked and/or recommended. Other professional associations may list other carriers, so do some research, and compare coverage before committing.
Individual carriers may also offer special discounts for certain professions that are not advertised, so it never hurts to ask. But be careful! Some of these so-called discounts offer limited or lesser quality coverage than you would get otherwise, so always compare coverage, service, and price with and without the professional discount.
Questions to Ask a Potential Carrier:
- What are your typical discounts (good driver, student discounts, multi-policy discounts)?
- Do I get a discount if I pay my policy in full? The answer is typically yes. You may also get further discounts for going paperless because it saves the company time and money to do everything online.
Discounts Specifically for Nurses
Finally, if you work through a hospital or a doctor’s office, there may be an option to purchase auto insurance through a bundle or group discount policy. Some companies will offer insurance for their employees through a certain carrier that has ties or links to the hospital or doctor’s group in some way. These discounts can offer substantial savings, especially in larger groups, so it is certainly worth looking into. You can contact your Human Resources department and speak to them about this option. Make sure that you specify auto insurance discounts when you speak to them.
- Some discounts may be more readily available for those who work in hospitals because they use their car less often for work. The more you use the car, the higher the risk of an accident, which means higher insurance rates.
- You may qualify for some discounts that are related to education if you provide proof of continuing education.
Why You Should Still Shop Around
Do not just accept the “nurse’s discount” and walk away thinking that you have made the best deal for yourself. Not all nurses drive the same vehicle, and you may qualify for discounts that others do not. You should still check the policy you are offered against other policies to compare the following:
- Overall price for the policy, including the monthly price if you do not want to pay at one time and the full price for the term, which is usually six months
- What the coverage amounts actually are. If you go with a higher deductible, you may get a lower premium for excellent coverage. A lower deductible may sound appealing but will raise your price for the same coverage. Remember, every policy will have different levels of coverage for things like collision, comprehensive, and bodily injury per accident/incident, so review carefully.
A Note About Service
While it may not seem like a big deal at first, customer service is also something that you should consider. If you are buying insurance online, the website should be easy to navigate and understand. On the phone, your call should be answered promptly, and all questions should be answered without a lot of time spent on hold. You should not feel rushed or pressured. If you are in person, then you should be promptly greeted by at least one person in the office, and then your needs should be attended to as quickly as possible. Remember, you are going to have to deal with this same company in the event of a claim, so you want to know that you are going to be taken care of without a problem.
- Most claims are made over the phone to a third party company that is affiliated with the insurer. This information is not readily available, so it never hurts to ask who will handle your claim if you have a loss.
Check the company’s record online to see if there are a lot of complaints about a specific agent or agency or the insurance company in general. Service and/or claims are typically the two areas that get the biggest complaints.