The vehicle model you are insuring is probably the most important factor when comparing the lowest-priced coverage for nurses. Vehicles with lots of horsepower, poor safety features, or a track record of large liability claims will cost quite a bit more to insure than safer models.
The table below outlines car insurance costs for a handful of the cheapest automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $1,218 |
| Ford Focus SE 4-Dr Sedan | $1,302 |
| Toyota Tacoma 2WD | $1,308 |
| Ford Edge Limited 2WD | $1,302 |
| Honda CR-V LX 4WD | $1,382 |
| Ford Escape XLS 4WD | $1,390 |
| Chevrolet Impala LTZ | $1,399 |
| Toyota Prius | $1,425 |
| Nissan Rogue S 2WD | $1,428 |
| Ford Explorer XLT 2WD | $1,442 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,449 |
| Dodge Ram Crew Cab ST 4WD | $1,452 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,493 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in specific zip code location which can impact coverage prices substantially.
Based on these rates, you can assume that models like the Hyundai Elantra, Ford Focus, Toyota Tacoma, Ford Edge, and Honda CR-V will definitely be the most affordable vehicles to insure for health professionals.
Comparing rates for affordable auto insurance is tough enough, and determining which company offers the lowest-priced auto insurance rates for nurses involves a little more work. Every insurance provider has a different formula to set policy rates, so let’s take a look at the auto insurance companies with the overall best prices in Long Beach.
Best Auto Insurance Prices for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | Allstate | $1,513 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,590 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the best car insurance rates in Long Beach at around $1,121 annually. Wawanesa, Century National, CSAA, and Nationwide also are some of the more affordable Long Beach, CA insurance companies.
As shown above, if you buy coverage from Nationwide and switched to Wawanesa, you may realize yearly savings of approximately $56. Insureds with 21st Century could save as much as $181 a year, and Grange policyholders might lower prices by up to $290 a year.
These premiums are averages for all insureds and vehicles and do not take into consideration an exact location for nurses. So the auto insurance company that has the cheapest rates for you may not even be in the top 24 companies in the list above. That’s why you need to compare as many prices as possible using your own driver information and specific vehicle type.
One of the more important factors that are used to help calculate the cost of insurance is your zip code in Long Beach. Regions with more people or even just more weather-related claims are more likely to pay higher prices, whereas more rural areas receive better rates.
The information below shows the most costly cities in California for nurses in which to purchase auto insurance. Long Beach shows up at #8 with an annual cost of $1,578 for the average policy, which is approximately $132 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | Stockton | $1,588 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,570 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,548 |
| 12 | Riverside | $1,542 |
| 13 | Fontana | $1,519 |
| 14 | Santa Ana | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Irvine | $1,371 |
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Premium amounts are approximated as the vehicle garaging location can affect premium rates greatly.
Ending up with the highest-rated insurer is difficult considering how many companies sell coverage in California. The rank data shown next may help you analyze which auto insurance companies you want to consider when comparing rate quotes.
These ratings include companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for the list. If you’d like to compare prices from these and other top-rated companies, click this link.
Top 10 Major Auto Insurance Companies in Long Beach Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
The diagram below highlights how deductible selection can increase or decrease insurance premiums when quoting cheap insurance for nurses. The premiums are based on a single female driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 30-year-old driver could reduce rates by $560 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $842 by selecting a $1,000 deductible. Younger drivers, like the age 20 example, could shave as much as $1,246 each year by using higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it’s a good idea to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Accidents and violations increase rates
In a perfect world, the ideal way to snag cheap auto insurance prices in Long Beach for health professionals is to drive safely and avoid tickets and accidents. The example below illustrates how speeding tickets and accident claims can impact car insurance rates for different insured age categories. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the example above, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,679. Receive one speeding ticket and the average cost rises to $3,040, an increase of $361 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance for nurses increases to an average of $6,263. That’s an increase of $3,585, or $299 per month, just for being a little careless behind the wheel!
How to find economical auto insurance for nurses
The list below details a few thrifty solutions that can help drivers locate cheaper coverage.
- Frequent claims may make car insurance unaffordable
- Save money by insuring older vehicles for liability only
- Avoid preventable accidents
- Ensure your driving record is clean
- Increase the comprehensive and collision deductibles on your policy
- Shop around for cheaper prices often
The last tip in the list is particularly important, as we emphasized in the prior information. Prices charged by companies in Long Beach fluctuate considerably, so don’t be unwilling to buy from a new company if a more affordable rate is found.
Staying with the same company for years is fine, but it’s not recommended if that stubbornness costs you money that could be used for better things. Now is a great time to compare rates to find cheaper car insurance for nurses.
The Long Beach auto insurance agencies shown below can help you determine which insurance coverage you need, as many people would rather have a little guidance when comparing insurance rates for health professionals. It can be hard to find coverage yourself, so professional agents can give you comfort knowing you have adequate protection.
To find a Long Beach insurance agent near you, click the button at the bottom of the list.
- Earl Jordan – State Farm Insurance Agent
2545 E Broadway – Long Beach, CA 90803 – (562) 434-0911 - Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 - Farmers Insurance – Troy Kelly
5353 E 2nd St #207 – Long Beach, CA 90803 – (562) 434-0301 - Jim Seilsopour – State Farm Insurance Agent
4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819