Auto Insurance for a Home Care Worker, Nanny, or Caretaker
If you work in home care, you need to know how to keep yourself protected as you drive to and from work. We'll cover what you should include in your auto insurance to keep yourself safe.
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Written by
Sara Routhier |
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Reviewed by
Cynthia Lanctot
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UPDATED: Jul 10, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 10, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Table of Contents
- Home care workers, nannies, and caretakers pay around $172 a month on average for car insurance
- Home care worker jobs are high-risk occupations for insurance companies
- If you work as a home nurse, nanny, or caretaker, you may be eligible for discounts on your auto insurance coverage
If you are a home nurse, personal care provider, or another type of caretaker, your job may be highly stressful.
The last thing you may be thinking about as a home nurse or nanny is how to find cheap car insurance coverage. However, nannies and caretakers have a lot to consider when it comes to auto insurance, and this is especially true concerning the cost and coverage options associated with most policies. You also have to consider how hard most companies work to bring in customers. Auto insurance companies will try to beat quotes, match prices, and offer discounts in order to garner business. It can be overwhelming, which is why it’s important to know what your options are.
Table of Contents
What kind of car insurance do home care workers, nannies, and caretakers need?
Regardless of where you live, you must carry a certain amount of liability auto insurance coverage to drive legally.
As a nurse, nanny, or caretaker in someone else’s home, it’s good to consider purchasing additional coverages for your vehicle, especially if you drive a lot to and from work or transport individuals in your car.
The table below shows different coverage options available to home care providers. The descriptions for each coverage option can help home care workers and nannies know whether it’s coverage they would benefit from purchasing.
Coverage Type Coverage Details
Liability Raising your liability limits doesn't cost much and can give you great protection and peace of mind. To give you an idea, increasing your total liability coverage from $100,000 to $300,000 costs about 20% more.
Collision If you have a loan for your vehicle or lease it, you must carry collision. If you own your vehicle outright and it has value you need to protect, you should purchase this option.
Comprehensive Like collision, you must have comprehensive when you have a loan or a lease. It will provide financial protection for your vehicle when it gets damaged by non-collision events like hail, vandalism, and theft.
Personal Injury Protection (PIP) This option will pay your own injuries from an accident, including lost wages.
Medical Payments (MedPay) Like PIP, MedPay covers your injury costs but doesn't have as wide a scope.
Uninsured/Underinsured Motorist Protection Nearly 15% of drivers are uninsured. If they cause an accident with you, you'll be left to pay for your damages unless you have this coverage.
Guaranteed Auto Protection (GAP) A car loses value as soon as you drive it off the lot. You may be in a position where you owe more to the bank for your loan than your vehicle is worth. GAP will pay the difference between value and what you owe if your car gets totaled.
Personal Umbrella Policy (PUP) With PUP, you can have an "umbrella" of added coverage over homeowner's coverage and auto coverage.
Rental Reimbursement If your car gets totaled or damaged in an accident, how will you get to work? If you'd need a rental car, this option might be right for you.
Roadside Assistance This option is available through your car insurance company, and also through several driving clubs. Compare to see which would be best for your situation.
Mechanical Breakdown Insurance If you're considering an extended warranty for your new car, keep in mind that mechanical breakdown insurance is another option to consider.
Pay-as-you-go or Usage-Based Insurance If you're willing to give up some privacy and let your insurance company monitor your driving habits, you could save some money on coverage, especially if your drive few miles a year.
Non-Owner Coverage If you borrow or rent a car frequently, or have a hard time getting regular coverage due to an SR-22 requirement, this could be a good option to ensure you're covered when you drive.
Modified Car Insurance Coverage The changes you make to modify your vehicle won't be considered in your vehicle value unless you add this coverage.
If you are leasing a vehicle, you may have to purchase a full coverage policy as a part of your leasing contract.
In most cases, you’ll want to consider getting collision and comprehensive auto insurance coverage, even if you own your vehicle outright. You may also consider a roadside assistance plan for added protection if you drive a great deal for work, especially at night.
Personal injury protection (PIP) and medical payments (MedPay) coverage are also essential if you regularly transport clients to a doctor’s office or other appointments or if you drive children from school to their homes or daycare facilities.
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How much is auto insurance for caretakers?
Home nurse and caretaker insurance rates can vary for several reasons.
Insurance companies take multiple factors into account when developing rates for potential policyholders. For example, some home care workers may be considered high-risk drivers because of the time of day they work, the stress of their job, and how often they drive.
Other common factors that are likely to impact caretaker and nanny insurance rates include:
- Age
- Driving history
- Credit score
- ZIP code
- Gender
- Annual mileage
- Marital status
- Claims history
- Vehicle
- Coverage level
The table below shows how much home care workers pay for auto insurance each year.
Auto Insurance for Home Care Workers, Nannies, and Caretakers Details Source
National Home Health and Childcare Employment Estimate 561,520 U.S. Bureau of Labor Statistics
Mean Annual Wage $25,510 U.S. Bureau of Labor Statistics
Average Annual Cost of Insurance $2,072.00 GEICO
Percentage of Income Spent on Insurance 7.7% N/A
As you can see, home health providers pay around $2,070 annually for auto insurance coverage or around $172 per month. However, home care workers and nannies could pay close to $235 per month if they have a poor driving history, low credit, or if insurance companies consider the occupation a high risk.
How can home-care workers and nannies get cheaper auto insurance?
One of the best ways to find affordable auto insurance coverage is to pursue specific discounts. Depending on how long you’ve been with your insurance company, the type of car you drive, and more, you may be able to find discounts that help you save a lot of money on your coverage.
Some of the most common auto insurance discounts available include:
- Bundling and multi-policy
- Loyalty
- Paid-in-full
- Automatic draft
- Paperless
- Good driving
- Defensive driving
- Low-mileage
- Good student
- Occupation
- Military
- Safety devices
If you believe one or more of these discounts may apply to you, speak to your current auto insurance provider and ask whether you’re eligible. Auto insurance discounts can help policyholders save as much as 20% on their annual coverage rates.
Your current insurance company may not offer many discount options. If this happens to you, you may want to consider switching providers.
Shopping for Auto Insurance for Home Care Workers and Nannies
If you’re considering changing your current insurance provider, shopping online and comparing auto insurance quotes from multiple companies near you is best. Comparing quotes can help you determine which companies offer the coverage types you want at a price that works for you and your family.
Once you find a few insurance companies you’re interested in, you can call each company directly to speak with a representative. Ask about any discounts you may qualify for, and ensure the quoted price is the most you’ll pay for monthly or annual coverage.
Don’t get discouraged if finding a car insurance company you trust takes a while. Instead, take your time shopping for insurance coverage to make the best decision for your unique situation as a home care employee, nurse, or caretaker.
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Auto Insurance for Home Care Workers and Caretakers: The Bottom Line
As a nanny or caretaker, you are responsible for a lot. Taking care of someone else is the most crucial part of your career, and your job may cause you some stress. The last thing you want to do is worry about your auto insurance coverage on top of that.
You should consider purchasing a full coverage policy that includes collision and comprehensive coverage to ensure you are adequately protected. In addition, you may want to add PIP coverage and MedPay insurance to your policy if your state does not already require them.
If you find that your car insurance rates as a home nurse, caretaker, or nanny are higher than they should be, ask your current insurance company about discount options. If you are not happy with the answer you get from your insurance provider, don’t be afraid to shop around for coverage with a different company.
Purchasing the best car insurance policy for nannies and home care providers doesn’t have to be complicated, and you may be pleasantly surprised with your options.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Sara Routhier |
|
Reviewed by
Cynthia Lanctot
|