Who Has Affordable Arlington Auto Insurance for Nurses?

Establishing which companies offer the best auto insurance rates for nurses involves more time in order to find the best policy.

Each company uses different criteria for filing rates in each state, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Texas. We do need to point out that Arlington, TX auto insurance rates are impacted by many things which can substantially change the cost of your policy. Improving your credit rating, having a teen driver, or getting a driving violation can trigger rate changes that may make certain companies cheaper than before.

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Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,095
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,396
7 State Farm $1,450
8 Mercury $1,461
9 Nationwide $1,585
10 Safe Auto $1,597
11 Progressive $1,698
12 Allstate $1,701
13 Amica $1,757
14 Home State $2,134
15 GEICO $2,135
16 MetLife $2,227
17 Encompass $2,324
18 Unitrin $2,333
19 21st Century $2,469
20 Titan $2,646
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Travelers normally has some of the cheapest car insurance rates in Arlington at around $1,041 a year. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the more affordable Arlington, TX auto insurance companies.

In the above example, if you are a policyholder with Germania Mutual and switched to USAA, you could earn yearly savings of upwards of $187. Policyholders with Esurance could save as much as $284 a year, and California Casualty customers might reduce rates by $301 a year.

If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the companies below.

Bear in mind that those prices are averaged across all ages of drivers and types of vehicles and are not factoring in a specific zip code for nurses. So the car insurance company that fits your age and vehicle best may not even be in the top 23 companies in the list above. That’s why you need to get rate quotes from many companies using your own personal information and vehicle type.

For health professionals, one of the more important components that determine the amount you pay each year for auto insurance is where you normally keep your vehicle. Areas with high crime rates or more dense population tend to have higher rates, whereas areas with less congestion can boast about having cheaper rates.

The next table sorts the highest-priced places in Texas for nurses to buy car insurance in. Arlington is ranked at #17 with the annual price of $1,658 for coverage, which is approximately $138 per month.

How much does auto insurance cost in Arlington?
Rank City Annual Rate
1 McAllen $1,956
2 Dallas $1,911
3 Houston $1,909
4 Laredo $1,889
5 Brownsville $1,870
6 Garland $1,850
7 Amarillo $1,804
8 Pasadena $1,794
9 Irving $1,789
10 Beaumont $1,772
11 Grand Prairie $1,757
12 Mesquite $1,753
13 Lubbock $1,716
14 San Antonio $1,671
15 Fort Worth $1,670
16 Carrollton $1,664
17 Arlington $1,658
18 Austin $1,627
19 McKinney $1,625
20 El Paso $1,584
21 Corpus Christi $1,572
22 Abilene $1,561
23 Plano $1,560
24 Waco $1,537
25 Killeen $1,518
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Annual rates are comparative as vehicle location can decrease or increase coverage rates substantially.

Difference between liability only and full coverage rates

Saving money when shopping for auto insurance should be important to the majority of people, and one of the quickest ways to pay less for insurance for nurses is to not buy full coverage. The illustration below compares insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

On average, full coverage on your policy costs an extra $2,431 per year more than carrying just liability coverage. Many people question when is the right time to remove full coverage. There is no exact formula to stop buying comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

There are some scenarios where eliminating full coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

The example below shows how choosing a deductible can affect insurance rates when researching cheap insurance for nurses. The costs are based on a single male driver, full physical damage coverage, and no discounts are factored in.

In the chart above, a 30-year-old driver could lower their policy premium by $422 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $634 by using a $1,000 deductible. Youthful drivers, like the 20-year-old category, can cut as much as $1,236 or more by choosing a larger deductible amount.

When raising deductibles, it is essential to have enough funds in savings to enable you to pay the extra out-of-pocket expense associated with higher deductibles.

Why you should be shopping around

Texas auto insurance rates are determined by lots of factors that may substantially change the cost of your policy. Turning one year older, moving to a different location, or getting caught speeding can trigger price changes that may make certain companies more affordable than before. Not only may your situation change, but car insurance companies amend pricing every year to help ensure profitability. An extended period of higher than normal claims may result in higher prices, while a lower level of claims may cause cheaper Arlington car insurance rates.

For example, the graph below shows a variety of companies that have the cheapest car insurance in Arlington, TX for a 45-year-old female driver with no accidents, a clean driving record, and solid credit. When comparing rates based on her current rating profile, Travelers has the cheapest car insurance rates in Arlington at $1,208 annually. This is $696 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also on the list of the most affordable Arlington, TX auto insurance companies.

In this example, we will give the driver from the first rate comparison a couple of claims, a lower credit rating, and an imperfect driving record. Due to the fact that every insurance company has a different formula to set policy rates, comparing prices will most likely result in a different ranking of the cheapest car insurance companies in Arlington as shown below.

Mercury now has the best price in Arlington with State Farm, USAA, Nationwide, and Safe Auto completing the list. This example demonstrates why it is critical to take the time to shop around to get affordable insurance rates for nurses.

Rates can be determined by many things and can decrease or increase without notice, so the most affordable company the last time you checked may now be wasting a lot of money.

If you prefer to have some professional guidance when shopping for the best coverage for health professionals, the agents listed below can help you make a decision which coverages are best. To find an auto insurance agency near you, click the button below the list or click here to compare rates now.

View map of Arlington, TX insurance agents

How to find the cheapest insurance for nurses

Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help Texas drivers buy cheap coverage.

The final tip is extraordinarily crucial, as we discussed in the prior information. Prices charged by auto insurers in Arlington fluctuate constantly, so don’t be tentative to switch carriers if a lower-cost policy is available. Having a favorite company is great, but it’s not recommended if that faithfulness ends up costing you thousands of dollars over the life of your policy. In just a few minutes you could compare prices to find cheaper car insurance for nurses.