Compare Professional Scientist Car Insurance Rates in 2024 (Top 10 Companies)
To compare professional scientist car insurance rates effectively, consider top insurers like State Farm, USAA, and Progressive. These companies offer tailored rates for scientists, ensuring comprehensive vehicle protection. Explore our analysis for confident, informed decisions and financial stability.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Feb 26, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Compare car insurance rates for professional scientists by examining the offerings of leading insurers such as State Farm, USAA, and Progressive. Assessing various coverage options is essential to ensuring alignment with their careful driving behaviors.
As a scientist, it is assumed that you are going to be a good driver. However, that does not automatically mean you will have cheap insurance rates.
Company Logo | Rank | See Pros/Cons | Professional Scientist Discount | Multi-Policy Discount | Best For |
---|---|---|---|---|---|
#1 | State Farm | Up to 10% | Up to 15% | Comprehensive Coverage | |
#2 | USAA | Up to 12% | Up to 20% | Customer Service | |
#3 | Progressive | Up to 8% | Up to 12% | Policy Options | |
#4 | Allstate | Up to 15% | Up to 18% | Online Convenience | |
#5 | Farmers | Up to 10% | Up to 15% | 24/7 Support | |
#6 | Liberty Mutual | Up to 8% | Up to 14% | Vanishing Deductible | |
#7 | Nationwide | Up to 12% | Up to 17% | Safe-Driving Discounts | |
#8 | Travelers | Up to 10% | Up to 16% | Multi-Policy Discounts | |
#9 | American Family | Up to 7% | Up to 13% | Bundle Discounts | |
#10 | Erie | Up to 9% | Up to 14% | Customizable Policies |
Enter your ZIP code below to find the lowest auto insurance rates and compare prices between competitors.
#1 – State Farm: Diverse Coverage Expert
USAA stands out as the top choice for professional scientists, offering unparalleled customer service and the most competitive rates.
Brad Larson Licensed Insurance Agent
Pros
- Bundling policies: Offers significant discounts for bundling multiple insurance policies.
- High low-mileage discount: Provides a substantial discount for low-mileage usage.
- Wide coverage options: Offers various coverage options tailored for different business needs.
Cons
- Limited multi-policy discount: The multi-policy discount is not as high compared to some competitors.
- Potential premium costs: Despite discounts, premiums might still be relatively higher for certain coverage levels.
Read more: State Farm Car Insurance Review
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#2 – USAA: Customer Service Champion
Pros
- Up to 12% bundling discount: Offers competitive discounts for bundling multiple insurance policies.
- Up to 20% low-mileage discount: Provides a generous discount for low-mileage usage.
- Outstanding customer service: Known for exceptional customer service and member satisfaction.
Cons
- Membership eligibility: Only available to military members, veterans, and their families.
- Limited physical locations: The absence of brick-and-mortar branches may be inconvenient for some customers.
Read more: USAA Car Insurance Review
#3 – Progressive: Policy Options Innovator
Pros
- Up to 8% bundling discount: Offers discounts for bundling various insurance policies.
- Up to 12% low-mileage discount: Provides a discount for policyholders with low-mileage usage.
- Comprehensive policy options: Offers a wide range of policy options to cater to diverse needs.
Cons
- Limited agent availability: Some customers may prefer in-person interactions, which can be limited.
- Progressive’s rates: Premiums may be higher for certain demographics compared to other providers.
Read more: Progressive Car Insurance Review
#4 – Allstate: Online Convenience Leader
Pros
- Up to 15% bundling discount: Offers significant discounts for bundling multiple insurance policies.
- Up to 18% low-mileage discount: Provides a substantial discount for low-mileage usage.
- User-friendly online platform: Allstate provides a convenient and accessible online interface.
Cons
- Premium costs: Despite discounts, premiums may be comparatively higher for certain coverage levels.
- Variable customer service reviews: Customer satisfaction may vary based on individual experiences.
Read more: Allstate Car Insurance Review
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#5 – Farmers: 24/7 Support Provider
Pros
- Up to 10% bundling discount: Offers discounts for bundling multiple insurance policies.
- Up to 15% low-mileage discount: Provides a discount for low-mileage usage.
- 24/7 customer support: Farmers ensures round-the-clock assistance for its policyholders.
Cons
- Premium costs: Some customers may find the premiums relatively higher, even with discounts.
- Limited digital presence: Farmers may not be as digitally advanced as some competitors.
Read more: Farmers Car Insurance Review
#6 – Liberty Mutual: Vanishing Deductible Specialist
Pro
- Up to 8% bundling discount: Offers discounts for bundling various insurance policies.
- Up to 14% low-mileage discount: Provides a discount for policyholders with low-mileage usage.
- Vanishing Deductible feature: Deductible decreases for safe driving, rewarding policyholders.
Cons
- Average customer satisfaction: Reviews suggest varying levels of satisfaction with customer service.
- Policy customization limitations: Some customers may find limited options for tailoring policies.
Read more: Liberty Mutual Car Insurance Review
#7 – Nationwide: Safe-Driving Discounts Provider
Pros
- Up to 12% bundling discount: Offers discounts for bundling multiple insurance policies.
- Up to 17% low-mileage discount: Provides a discount for low-mileage usage.
- Safe-Driving Discounts: Rewards policyholders for maintaining safe driving records.
Cons
- Higher premiums for certain demographics: Some customers may experience higher premium costs.
- Limited coverage options: Nationwide may have fewer policy options compared to some competitors.
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#8 – Travelers: Multi-Policy Discounts Specialist
Pros
- Up to 10% bundling discount: Offers discounts for bundling various insurance policies.
- Up to 16% low-mileage discount: Provides a discount for policyholders with low-mileage usage.
- Multi-Policy Discounts: Encourages customers to combine multiple policies for additional savings.
Cons
- Limited digital tools: The online interface may not be as advanced or user-friendly as some competitors.
- Average customer service ratings: Some customers report experiences with less-than-ideal customer service.
Read more: Travelers Car Insurance Review
#9 – American Family: Bundle Discounts Provider
Pros
- Up to 7% bundling discount: Offers discounts for bundling multiple insurance policies.
- Up to 13% low-mileage discount: Provides a discount for policyholders with low-mileage usage.
- Bundle Discounts: Incentivizes customers to combine various insurance needs.
Cons
- Limited geographical availability: American Family may not be available in all regions.
- Potential premium variability: Some customers may experience fluctuations in premium costs.
Read more: American Family Car Insurance Review
#10 – Erie: Customizable Policies Expert
Pros
- Up to 9% bundling discount: Offers discounts for bundling various insurance policies.
- Up to 14% low-mileage discount: Provides a discount for policyholders with low-mileage usage.
- Customizable Policies: Allows customers to tailor coverage to their specific needs.
Cons
- Regional limitations: Erie may have limited availability in certain states.
- Fewer policy options: Some customers may find a more limited range of coverage choices.
Read more: Erie Car Insurance Review
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Comparing Car Insurance Coverage Rates for Professional Scientists
Being a professional scientist not only ensures precision in your work but can also lead to precision in your car insurance rates. We’ve compiled a list of average monthly car insurance rates for professional scientists from various insurance companies, both for full coverage and minimum coverage.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
State Farm | $86 | $33 |
USAA | $59 | $22 |
Progressive | $105 | $39 |
Allstate | $160 | $61 |
Farmers | $139 | $44 |
Liberty Mutual | $174 | $68 |
Nationwide | $115 | $44 |
Travelers | $99 | $37 |
American Family | $117 | $44 |
Erie | $58 | $22 |
Who pays the most for car insurance?
There are two things that will most impact your rates in a negative fashion.
The first thing is if you are a terrible driver, and you have a number of points on your driving record.
High insurance rates will be impacted even further if you have a DUI conviction on the books.
In fact, if you have multiple DUIs, you may be in a position where only a high-risk specialty company will write a policy for you.
The second thing that will most affect your rates negatively is having a number of car insurance claims on your records, such as theft or natural damage.
These claims don’t even have to be related to an auto accident.
Each incident is an auto insurance claim, and every single one of them that requires your insurance company to write you a check for repairs or replacements will cause your rates to increase.
What factors influence the rate of car insurance?
If you have a long history of good driving, then your rates will be lower than someone who has had a rough driving history.
In addition, if you are married, then you might find your rates are lower than an unmarried scientist.
Keeping your rates low will require you to keep your driving record clean.
In addition, you need to choose the type of car you drive carefully. If you drive a high-performance sports car, then you are going to pay higher rates than if you purchase an economical sedan, for example.
There are many different ways that you can keep your rates low including:
- Maintaining a good credit record
- Purchasing anti-theft devices for your vehicle
- Carrying multiple policies with the same insurance company
- Comparing prices between auto insurance companies
Enter your ZIP code below and get your FREE auto insurance quotes today.
Frequently Asked Questions
Why are car insurance rates lower for scientists?
Scientists tend to be careful and methodical drivers, which results in lower insurance rates.
Who pays the most for car insurance?
Drivers with a history of traffic violations or DUI convictions pay the highest rates.
What factors affect car insurance rates?
Factors such as driving history, marital status, and the type of car you drive can influence rates.
How can I keep my car insurance rates low?
Maintain a clean driving record and choose a car with lower insurance risk.
Where can I find the best car insurance quotes?
Use the provided tools to compare quotes from different insurance companies and find the best rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.