You have most likely watched the ads from companies like GEICO, Nationwide, and Farmers guaranteeing huge savings, so drivers should just pick one randomly, right?
Regrettably, it’s not quite that easy, as there are a whole slew of unknown factors such as if you have ever had a coverage lapse, your financial stability, how many years you have been driving, and your annual mileage driven, that all impact the price you pay. Car insurance is kind of a dry topic, but this article will explain the best ways to avoid overpriced car insurance and will hopefully give the reader a good beginning to your quest for cheaper car insurance in Lincoln.
One of the more important things that help determine insurance cost is where you choose to live in Lincoln. Regions with larger populations or more claims tend to pay slightly more, whereas areas with less crime or weather claims can boast about having cheaper rates.
The information below rates the priciest cities in Nebraska for nurses to purchase a policy in. Lincoln comes in at #24 with an annual premium of $1,095 for the average policy, which is approximately $91 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Scottsbluff | $1,360 |
| 2 | Alliance | $1,354 |
| 3 | Gering | $1,343 |
| 4 | McCook | $1,331 |
| 5 | Lexington | $1,303 |
| 6 | North Platte | $1,301 |
| 7 | South Sioux City | $1,290 |
| 8 | Beatrice | $1,259 |
| 9 | Blair | $1,236 |
| 10 | Nebraska City | $1,224 |
| 11 | Omaha | $1,220 |
| 12 | Seward | $1,215 |
| 13 | Crete | $1,210 |
| 14 | York | $1,191 |
| 15 | Kearney | $1,188 |
| 16 | Norfolk | $1,159 |
| 17 | Columbus | $1,150 |
| 18 | Hastings | $1,147 |
| 19 | Bellevue | $1,144 |
| 20 | Grand Island | $1,136 |
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Table data uses approximated as the specific zip code location can raise or lower coverage prices noticeably.
The make and model of vehicle you are buying coverage for is probably the biggest factor when trying to find the lowest-priced coverage for nurses. Vehicles with reasonable performance levels, an excellent safety record, or a positive history of liability claims will cost much less to insure than higher performance models.
The next table estimates auto insurance costs for some of the cheapest vehicles to insure in Nebraska.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $788 |
| Hyundai Elantra GLS Touring Station Wagon | $860 |
| Toyota Prius | $872 |
| Dodge Grand Caravan CV | $884 |
| Honda Accord LX-P 4-Dr Sedan | $888 |
| Honda CR-V EX 4WD | $912 |
| Honda Odyssey EX W/Rear Entertainment | $916 |
| Toyota Tacoma Double Cab 4WD | $950 |
| Ford Explorer XLT 4WD | $964 |
| Ford Focus SES 4-Dr Sedan | $966 |
| Toyota Camry XLE | $984 |
| Nissan Rogue S 2WD | $1,000 |
| Toyota Corolla XRS | $1,007 |
| Chevrolet Malibu LTZ | $1,000 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,012 |
| Toyota RAV4 Sport 2WD | $1,020 |
| Ford F-150 Lariat Crew Cab 2WD | $1,040 |
| Compare Rates Now Go | |
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate information does not factor in garaging location in Lincoln, NE which can change prices considerably.
Looking at the numbers, vehicles like the Ford Escape, Hyundai Elantra, Toyota Prius, Dodge Grand Caravan, and Honda Accord are likely to be a few of the more affordable vehicles to insure for health professionals.
Locating cheap auto insurance is not most people’s favorite thing to do, and finding out which company offers the cheapest insurance rates for nurses will involve a little more work. Every insurance company uses different criteria for setting rates, so first we will examine the insurance companies with the overall best prices in Lincoln, NE.
Find the Best Cheap Insurance for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $812 |
| 2 | The Hartford | $865 |
| 3 | Auto-Owners | $896 |
| 4 | Allied | $911 |
| 5 | Farm Bureau Mutual | $990 |
| 6 | Nationwide | $1,007 |
| 7 | Farmers Mutual of Nebraska | $1,019 |
| 8 | State Farm | $1,065 |
| 9 | American National | $1,087 |
| 10 | General Casualty | $1,125 |
| 11 | USAA | $1,128 |
| 12 | American Family | $1,258 |
| 13 | Iowa Mutual | $1,308 |
| 14 | GEICO | $1,308 |
| 15 | California Casualty | $1,309 |
| 16 | MetLife | $1,319 |
| 17 | EMC | $1,340 |
| 18 | Progressive | $1,402 |
| 19 | Farmers | $1,650 |
| 20 | North Star | $1,710 |
| Compare Rates Now Go | ||
Safeco offers some of the most affordable car insurance rates in Lincoln at around $812 a year. This is $504 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual would also be considered some of the more affordable Lincoln, NE car insurance companies.
As the rates illustrate above, if you currently buy coverage from Farm Bureau Mutual and switched to The Hartford, you may realize savings of in the vicinity of $125. Nebraska drivers with Nationwide might save as much as $142 a year, and Farmers Mutual of Nebraska insureds might lower prices by $154 a year.
It’s important to note that these estimates are averages for all ages of drivers and types of vehicles and and are not calculated with an exact zip code location for nurses. So the insurer that has the cheapest price for you may not even be in the top 24 companies shown above. That helps illustrate why you need to get quotes using your own driver data and vehicle information.
Buying coverage from the right car insurance company is hard considering how many companies provide coverage in Nebraska. The rank data below could help you choose which companies to look at buying from.
The rankings below include the largest auto insurers in America, so companies that only write business in Nebraska or surrounding areas are not included in this list. To compare prices from these top insurers and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Lincoln car insurance rates
Auto insurance companies that offer quotes for nurses may also give you discounts that could lower prices by as much as 40% or more if you are eligible to receive them. Larger insurance companies and the discounts they provide can be found below.
- State Farm offers premium reductions for safe vehicle, anti-theft, good driver, defensive driving training, accident-free, passive restraint, and multiple autos.
- GEICO discounts include multi-policy, five-year accident-free, defensive driver, multi-vehicle, daytime running lights, and emergency military deployment.
- SAFECO may include discounts for teen safety rewards, safe driver, drive less, anti-lock brakes, and multi-car.
- Farmers Insurance offers discounts including good student, mature driver, homeowner, switch companies, electronic funds transfer, alternative fuel, and early shopping.
- AAA offers discounts for good student, pay-in-full, multi-car, AAA membership discount, multi-policy, education and occupation, and good driver.
- USAA may have discounts that include multi-policy, vehicle storage, annual mileage, loyalty savings, multi-vehicle, and new vehicle.
The diagram below illustrates the difference between premium costs with and without discounts applied. The rates are based on a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, marriage, multiple vehicle, multiple policy, accident-free, and homeowner discounts applied. With discounts applied, the average savings per year on insurance for nurses is 28% or $501.
Bad driving habits will cost you more
The recommended way to enjoy the cheapest insurance prices in Lincoln for health professionals is to be an attentive driver and avoid accidents and traffic violations. The illustration below shows how traffic citations and at-fault collisions can impact insurance costs for different age categories. The costs are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of auto insurance per year with no accidents or violations is $1,285. Get written up for one speeding ticket and the average cost hikes up to $1,502, an increase of $217 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance for nurses jumps again to an average of $2,106. That’s an increase of $821, or $68 per month, just for being a little careless behind the wheel!
How to find more affordable car insurance for nurses
The list below details some of the recommended penny-pinching ideas that can help Nebraska drivers locate lower-cost auto insurance.
- Pay less by remaining claim-free
- Better credit scores save money
- Violations like speeding or DUI increase rates
- Buy vehicles with good safety ratings
- Maintain a safe distance and avoid accidents
- Shop around and save
That last idea is especially crucial, as we pointed out in this write-up. Prices charged by companies vary considerably, so drivers shouldn’t be reluctant to switch companies if a lower price can be found.
Brand loyalty is great, but it’s not a great idea if that dedication is costing hundreds of dollars year after year. If you have a few minutes, shop around to find cheaper insurance for nurses in Lincoln.
If you wish to get some professional advice when comparing insurance rates for nurses, the agents listed below can answer your questions and help you decide which coverages are best. To find a Lincoln insurance agent close to you, click the button after the list.
- Allstate Insurance: Raymond Thielen
4949 N 26th St c – Lincoln, NE 68521 – (402) 435-5757 - MIAA – Midwest Insurance Agency Alliance
6120 Havelock Ave – Lincoln, NE 68507 – (402) 467-5355 - John Curry – State Farm Insurance Agent
4640 Champlain Dr #121 – Lincoln, NE 68521 – (402) 477-8383 - John Eshleman – State Farm Insurance Agent
7501 O St #103 – Lincoln, NE 68510 – (402) 483-7578 - Allstate Insurance: Darryl Moore
7111 A St #103 – Lincoln, NE 68510 – (402) 413-7111