This would be a much quicker read if we could just give you the name of the one Pennsylvania auto insurance company that has the cheapest coverage in Pennsylvania. It’s not that easy, however, as there are many unknown factors such as where you live in Philadelphia, if you need full coverage or liability-only, and your annual mileage driven, that all factor into the price you pay. This article goes into detail about the best ways to shop for cheaper coverage and hopefully give you enough understanding to have a good start in finding the cheapest car insurance in Philadelphia.
Figuring out which companies offer the lowest-priced car insurance rates for nurses will require a little more work than just picking a company at random. Each auto insurance company has a different process to set their prices, so we need to take a look at the car insurance companies with the overall cheapest rates in Pennsylvania.
It’s important to understand that Pennsylvania car insurance rates are influenced by many factors that may substantially change the price you have to pay for coverage. Improving your credit rating, becoming a homeowner, or getting caught speeding can trigger changes in premium resulting in some rates now being affordable when they were higher priced.
Cheapest Insurance Rates for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $740 |
| 2 | Erie | $792 |
| 3 | Travelers | $803 |
| 4 | USAA | $817 |
| 5 | Penn National | $832 |
| 6 | Amica | $992 |
| 7 | Auto-Owners | $1,003 |
| 8 | Atlantic States | $1,036 |
| 9 | Donegal Mutual | $1,091 |
| 10 | GEICO | $1,123 |
| 11 | Allied | $1,190 |
| 12 | State Farm | $1,198 |
| 13 | California Casualty | $1,198 |
| 14 | State Auto | $1,229 |
| 15 | Encompass | $1,344 |
| 16 | Harleysville | $1,452 |
| 17 | Mutual Benefit Group | $1,454 |
| 18 | Progressive | $1,472 |
| 19 | Nationwide | $1,477 |
| 20 | Chubb | $1,551 |
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General Casualty may have some of the best car insurance rates in Philadelphia at around $740 a year. This is $917 less than the average premium paid by Pennsylvania drivers of $1,657. Erie, Travelers, USAA, and Penn National are also some of the best Philadelphia, PA insurance companies.
As the example above demonstrates, if you are a customer of Penn National and switched to Erie, you might realize annual savings of approximately $40. Policyholders with Amica may save as much as $200 a year, and Auto-Owners policyholders might realize rate reductions of up to $211 a year.
To discover how much you can save, click here to start your free quote or visit any of the low-priced companies below.
Bear in mind that those policy prices are averaged across all drivers and vehicles in Pennsylvania and and are not figured with a specific location for nurses. So the insurer that fits you best may not even be in the top 30 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver and vehicle information.
The car, truck, or SUV you are buying coverage for is a large factor in finding the most affordable coverage for nurses. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than safer, lower-performance models.
The table below illustrates coverage prices for a handful of the most economical vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $4,695 |
| Dodge Grand Caravan CV | $4,836 |
| Ford Explorer Eddie Bauer 2WD | $4,842 |
| Honda CR-V LX 2WD | $4,887 |
| Volkswagen Jetta SE 2.5 Station Wagon | $5,065 |
| Toyota RAV4 4WD | $5,112 |
| Toyota Prius | $5,267 |
| Ford F-150 FX2 Super Cab 2WD | $5,295 |
| Honda Odyssey EX-L | $5,388 |
| Chevrolet Equinox LTZ 2WD | $5,482 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $5,491 |
| GMC Sierra SL Crew Cab 4WD | $5,482 |
| Chevrolet Malibu LTZ | $5,489 |
| Toyota Camry LE | $5,604 |
| Toyota Tacoma Double Cab 4WD | $5,609 |
| Ford Edge SEL 2WD | $5,642 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $5,735 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in specific garaging location which can lower or raise coverage rates greatly.
Looking at the numbers, you can expect models like the Ford Escape, Dodge Grand Caravan, and Ford Explorer are likely to be some of the cheaper vehicles to insure for health professionals.
Difference between liability only and full coverage rates
Paying a lower price for car insurance is the goal of most drivers, and one great way to find cheap insurance for nurses is to not pay for full coverage. The illustration below shows the comparison of auto insurance costs with and without physical damage coverage. The premiums are based on no claims, a clean driving record, $250 deductibles, single status, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $2,351 per year more than just insuring for liability. Many drivers will wonder if buying full coverage is worth the expense. There is no exact rule to stop paying for physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
Get discounts on Philadelphia auto insurance
Car insurance companies that offer coverage for nurses may also provide policy discounts that can reduce rates by 40% or more if you meet specific criteria. Large car insurance companies and some of their more popular discounts include:
- Farm Bureau has savings for 55 and retired, multi-vehicle, good student, safe driver, renewal discount, and multi-policy.
- MetLife offers discounts for multi-policy, claim-free, accident-free, good driver, defensive driver, and good student.
- Progressive has discounts for continuous coverage, good student, multi-vehicle, online signing, and multi-policy.
- AAA policyholders can earn discounts including AAA membership discount, education and occupation, multi-car, anti-theft, and multi-policy.
- American Family discounts include air bags, bundled insurance, good driver, multi-vehicle, and TimeAway discount.
- GEICO may have discounts that include membership and employees, five-year accident-free, military active duty, good student, air bags, emergency military deployment, and seat belt use.
- State Farm offers premium reductions for student away at school, Steer Clear safe driver discount, multiple autos, anti-theft, safe vehicle, and multiple policy.
The example below visualizes the comparison of auto insurance rates with and without discounts applied. The premium estimates are based on a female driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, passive restraint, marriage, defensive driving course, multiple vehicle, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for nurses is 28% or $666.
Choosing the top car insurance company is hard considering how many choices you have in Philadelphia. The ranking information in the lists below can help you decide which companies you want to consider when looking for cheaper rates.
The ratings below are only made up of companies with a national presence, so companies with more of a regional focus are not included in these rankings. To get rate quotes and find the cheapest rates for nurses, simply click here.
Top 10 Major Auto Insurance Providers Overall in Philadelphia
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
How to find cheaper auto insurance for nurses
The list below shows some of the better thrifty suggestions that can help you find cheaper car insurance.
- Buying car and homeowners insurance together can save money
- Avoid filing excessive claims
- Increase your credit rating
- Do not pay for full coverage if not needed
- Safer vehicles cost less to insure
- Raise deductibles
- Shop around for cheaper prices often
That last tip is extraordinarily necessary, as was stressed in the prior article. Coverage rates can change considerably based on profitability, so don’t hesitate to change to a new company if a cheaper price is available.
Loyalty to a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you hundreds every year. Take a few minutes and compare prices to find cheaper auto insurance for nurses in Philadelphia.
The Philadelphia, PA, insurance agents below are willing to help you decide which coverages and limits you need, since some drivers wish to have a consultation when trying to find the best insurance rates for nurses. It can be time-consuming to find the best policy on your own, so professional agents can bring satisfaction knowing your coverage gives you enough coverage when you need it. To locate a Philadelphia auto insurance agent closest to you, click the link at the bottom or click here to compare price quotes.
- Michael DeCarlo – State Farm Insurance Agent
326 S 19th St Ste 2 – Philadelphia, PA 19103 – (215) 772-0100 - Dennis Jackson – State Farm Insurance Agent
6200 Frankford Ave – Philadelphia, PA 19135 – (215) 289-5179 - Pamela R Wilkins – State Farm Insurance Agent
8912 Frankford Ave – Philadelphia, PA 19136 – (215) 331-4500