Car insurance for medical professionals

Farmers offers a wide range of coverage options, including specialty ones such as new car replacement and accident forgiveness. In addition to discounts for medical professionals, there are discounts for paying in full or being a homeowner. Farmers also scores above average among carriers in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, earning 706 out of 1,000 points. Another feature is the Farmers Signal program, which is a usage-based telematics program where you can earn additional discounts based on your driving habits. However, the program may not be available in all states.

Geico offers discounts for members of more than 500 professional associations, including medical groups. There are also discounts for safety equipment, good driver discounts and a discount for bundling your auto insurance with homeowners, renters or condo coverage. Geico also has a highly-rated mobile app that lets you manage your policy via your smartphone, and you can report and track a claim online or make payments and add a vehicle to your policy. However, Geico does not offer a large list of endorsements, so opportunities to customize your policy may be more limited.

Liberty Mutual partners with employers and professional organizations to offer discounts to their employees, including some medical facilities, so it may benefit you to check with your employer to see if you could be eligible for a discount through this type of partnership. In addition, Liberty Mutual offers a standard range of coverage options and a generous list of discounts, including a claims-free discount, digital payment discount and more. It also offers several unique add-ons, such as a lifetime repair guarantee if you use an insurer-approved shop for repairs. Although Liberty Mutual scored above average in the J.D. Power Auto Claims Satisfaction Study, it has a higher-than-average customer complaint rating with the NAIC, which suggests that customer satisfaction is not as high as it could be.

Travelers offers the range of coverage choices you would expect from a carrier, but it does have some less common options too, such as gap insurance and discounts for hybrid and electric vehicles. Its A++ (Superior) rating from AM Best highlights the historical financial strength of the provider in its ability to pay out claims. However, Travelers historically receives lower ratings for customer satisfaction through third parties like J.D. Power and the NAIC complaint index.

California Casualty sells policies in every state except Alaska, Hawaii, Massachusetts, Michigan, New York and Wisconsin. It is focused on car insurance for health care workers and first responders, including police and firefighters. For example, the company offers deductible waivers to nurses, which can save you money if you’re involved in an at-fault accident. In addition, it offers other types of standard discount options, including a mature driver discount and a discount for college graduates.