The car, truck, or SUV you are trying to insure is one of the largest considerations that determines the availablility of cheaper insurance for nurses. Vehicles with reasonable performance levels, modern passenger safety features, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The data below features coverage prices for a number of the most cost-effective vehicles to insure in Colorado.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$879|
|Honda Accord EX-L 4-Dr Sedan||$931|
|Hyundai Elantra SE Touring Station Wagon||$936|
|Toyota Tacoma 4WD||$961|
|Dodge Grand Caravan SE||$968|
|Chevrolet Malibu Hybrid||$1,013|
|Toyota RAV4 2WD||$1,019|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,051|
|Honda CR-V EX 2WD||$1,059|
|Toyota Corolla LE||$1,066|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$1,085|
|Volkswagen Jetta SE 4-Dr Sedan||$1,095|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,106|
|Chevrolet Impala LS||$1,141|
|Chevrolet Silverado LTZ Extended Cab 2WD||$1,158|
|GMC Sierra SLT Crew Cab 4WD||$1,168|
|Hyundai Sonata Limited 4-Dr Sedan||$1,158|
|Kia Optima EX||$1,168|
|Toyota Camry LE||$1,162|
|Ford Explorer XLT 2WD||$1,177|
|Honda Odyssey EX||$1,219|
|Ford Edge Sport AWD||$1,223|
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in your specific Colorado location which can decrease or increase prices substantially.
Looking at the numbers, vehicles like the Ford Escape, Honda Accord, Hyundai Elantra, and Toyota Tacoma should be some of the cheapest vehicles to insure for health professionals.
For health professionals, one of the big criteria that aid in calculating the amount you pay for auto insurance is where you keep your car. Areas with a lot of weather claims or more people like Denver, Pueblo, and Lakewood tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The following table lists the most expensive areas in Colorado for nurses to purchase a policy in.
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Table data uses estimated as the specific zip code location can increase or decrease price quotes substantially.
The chart below demonstrates how deductible levels can influence insurance costs when trying to find cheap insurance for nurses in Colorado. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
A 40-year-old driver could reduce rates by $330 a year by switching from a $100 deductible up to a $500 deductible, or save $498 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, could reduce their rates $1,110 or more by using higher deductibles when buying full coverage. When raising deductibles, it is necessary to have plenty of money set aside to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Discount Colorado insurance
Insurance companies that provide coverage for nurses may have special discounts that can lower rates by as much as 35% if you meet certain criteria. Large insurance companies and their offered discounts are shown below.
- State Farm offers discounts for anti-theft, good student, multiple autos, good driver, Drive Safe & Save, student away at school, and defensive driving training.
- GEICO includes discounts for multi-vehicle, good student, emergency military deployment, defensive driver, and federal employee.
- Allstate may include discounts for utility vehicle, multi-policy, 55 and retired, teenSMART discount, FullPay discount, and farm vehicle.
- SAFECO discounts include anti-lock brakes, bundle discounts, teen safe driver, drive less, multi-car, anti-theft, and safe driver.
- Farm Bureau offers premium reductions for multi-vehicle, renewal discount, youthful driver, good student, multi-policy, 55 and retired, and driver training.
- Progressive may offer discounts for homeowner, good student, online signing, continuous coverage, multi-policy, and online quote discount.
- AAA has discounts for AAA membership discount, anti-theft, multi-car, multi-policy, good student, and pay-in-full.
The illustration below illustrates the difference between auto insurance costs with and without discounts applied to the rates. The data assumes a male driver, no violations or accidents, Colorado state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, passive restraint, accident-free, anti-theft, homeowner, and vehicle safety discounts applied. When discounts are factored in, the average amount saved each year on insurance for nurses is 28% or $410.
Best insurance company in Colorado
Buying coverage from a good quality company can be challenging considering how many companies there are in Colorado. The company ratings in the next section could help you decide which companies you want to consider when comparing insurance rates for nurses. These ratings are for large insurance companies, so smaller companies are not included in the list.
Top 10 Major Auto Insurance Providers in Colorado Ranked by Customer Service
- State Farm
- The Hartford
- The General
- AAA Insurance
- American Family
How to find more affordable auto insurance for nurses in Colorado
Here are a few money-saving ideas that can help drivers get cheaper coverage.
- Clean up your credit
- Discounts for being claim-free can be substantial
- Raise physical damage deductibles
- Buy your auto and home insurance from the same company and save
- Safer vehicles cost less to insure
- Do not pay for full coverage on older vehicles
- Comparison shop at least every other year
That last idea is particularly significant, as we stressed in the prior information. Car insurance prices change constantly, so don't hesitate to switch to a new company if a better rate can be found. Many drivers prefer to stick with one company, but it's not recommended if that stubbornness costs you thousands of dollars over the life of your policy. Take a couple minutes and shop around and find cheaper car insurance for nurses.