It you’re like most people, you want to take advantage of any and all discounts on products and services you can. The good news if you are a nurse or otherwise employed in the medical field is that there are car insurance discounts for nurses. There are many types of discounts available, but often it is up to you to find them.
Let’s look at car insurance discounts for nurses.
How Can Nurses Save on Car Insurance?
There are a couple of ways nurses can potentially use to save on their car insurance. First, there may be a discount available based on the nursing school attended. It’s important to ask about this type of discount, which is usually a group discount for all who are alumni of a particular school. You may have to provide proof of your attendance and/or graduation in order to receive the discount.
Another option is to obtain a car insurance discount through a professional affiliation. Some auto insurance companies have programs that offer discounts based on membership in a nursing organization.
These types of discounts can range from 3% to 10% and may be restricted by state laws. The bottom line is that you should be sure to specifically ask your car insurance company if there are discounts available for nurses.
Car Insurance and Your Profession
There are many factors that go in to determining your car insurance rate. These factors can be personal, such as your age, gender, driving record or your credit score. Increasingly, however, insurance companies are looking at how to analyze a person’s risk based on their profession.
Companies are starting to see that some professions are associated with a lower risk than others. Those in the nursing profession, or other medical fields, may be found by insurance analysts to be less risky and to submit fewer claims. These “preferred” professions can enjoy the benefits of discounts because of this.
The discounts available for car insurance because of your profession can vary by state. Also, you may need to show proof of your employment in one of the preferred professions. One way to prove your employment as a nurse is through your identification badge or even proof of your nursing degree.
The best way to get the best rate is to shop around for car insurance companies that offer preferred rates for nurses and others in the medical profession. The InsuranceWins form is a great place to get started. Just fill out the simple form to get the quote process started. And don’t forget to ask about your discount for being a nurse!