Can't-Miss Facts

  • A scientist can find cheap insurance rates online
  • Insurance companies use personal information to create a unique insurance quote for each client
  • Gathering quotes from multiple companies lets you see which one provides the cheapest auto insurance rates for scientists

If you’re a scientist, affordable auto insurance is not just some unproven theory; it’s within your grasp. By shopping online, scientists everywhere can find affordable automobile insurance without breaking a beaker.

Keep reading to learn how much car insurance for scientists costs and where you can get cheap scientist auto insurance quotes online.

Don’t wait to discover excellent auto insurance coverage for scientists. Enter your ZIP code to compare free auto quotes for a scientist from companies near you.

How much are scientist auto insurance rates?

The national monthly average for auto insurance is $124, but your personal rates may vary.  Every insurance company uses formulas of its own to calculate risk and rates for drivers on an individual level.

When you get auto insurance quotes online, you’ll plug your personal information into a company’s standardized formulas. This personal information includes your age, gender, ZIP code, and the make and model of your car.

The NAIC reports that the kind of car that you drive can impact what you pay for your insurance. This makes sense when you consider that the cost to repair a Honda Civic would be nothing compared to a Rolls Royce.

Here’s a list of some more items your insurance company will use to calculate your auto insurance rates:

  • Your education level
  • Your driving history
  • Your annual mileage

Some insurance companies consider your credit score and claims history when determining rates. That’s why it’s important to shop around with multiple companies before you buy scientist auto insurance so you can be sure you’re locking in the best price for your policy.

Are there auto insurance discounts for scientists?

Discounts are all around if you know where to look for them. Since insurance companies save money when their clients get into fewer accidents, always ask for a safe driving car insurance discount for scientists.

For example, if you take a defensive driving class and send in a copy of your completion certificate, you could see a small drop in your insurance rates. Remaining claim-free is another great way to earn a discount on your auto insurance rates.

A missed discount could cost you money. Review your policy to make sure you aren’t missing out on any opportunities to save on your insurance, and don’t forget to ask about which auto insurance discounts you qualify for.

Take a look at this list of discounts below. It’s a great resource for figuring out what kinds of auto insurance discounts are available with each insurance company:

Auto Insurance Discounts Available by Company and Discount Amount
Discounts21st Century Discount AmountAAA Discount AmountAllstate Discount AmountAmerican Family Discount AmountAmeriprise Discount AmountAmica Discount AmountCountry Financial Discount AmountEsurance Discount AmountFarmers Discount AmountGeico Discount AmountLiberty Mutual Discount AmountMetLife Discount AmountNationwide Discount AmountProgressive Discount AmountSafe Auto Discount AmountSafeco Discount AmountState Farm Discount AmountThe General Discount AmountThe Hanover Discount AmountThe Hartford Discount AmountTravelers Discount AmountUSAA Discount Amount
Adaptive Cruise Control and/or Headlights----------5%--------3%--
Anti-lock Brakes--10%-3%5%-5%-5%5%5%5%-5%-5%8%5%3%--
Anti-Theft--10%-3%25%10%25%-25%20% off of comprehensive portion of policy.10% -- this discount factors in features such as VIN etching and vehicle recovery;
one anti-theft discount applies.
25%; combined with vehicle recovery discount.---15% discount off of comprehensive coverage; higher discount with "engine cut-off."8%; one total anti-theft discount applies; if vehicle recovery, a higher discount applies.5%3%--
Claim Free--35%----25%-26% for going five years without an accident.Awarded "accident free" on account for lower rating.20% if claim/violation free:
"Superior Driver"
3+ yrs=12%
"MetRewards"
5+ yrs 20%
AND
save $50 each claim-free year up to $250 (off deductible).
10%-10% if you go six months without filing a claim;
one safe driver/claim free discount applies.
20% "Safeco Safety Rewards" if you have no at-fault accidents in the last 36 months,
no more than 1 point on your license, and
no DUI in the last ten years; one safe driver/claim free discount applies.
15%; must have State Farm for at least three consecutive years without an accident.-15%-23%; must be accident and violation free to get the "Safe Driver" discount listed below;
must be accident and violation free to qualify:
23% - 5 years
10% - 3 years;
one safe driver/claim free discount applies.
12%; "Premier Driver Discount"
4%-12%, depending on driving record;
12% is for being accident and violation free for five years; one safe driver/claim free discount applies.
Not available in HI.
Continuous Coverage-----3%-------No gaps or cancellations;
discount depends on how long you have been consistently insured.
10% for going six or more months with no more than a 30-day coverage gap.7% if you have been with Safeco or previous provider for one year or longer; five or more years gets you the highest discount.--10%; discount applies at each renewal.-15%-
Daytime Running Lights--2%------1%5%5%5%-5%---5%3%--
Defensive Driver5%-10%10%-5%5%10%--10%7%5%10%10%5%5%8%5%10%10%3%
Distant Student--35%---------10%--15%--5%3%7%-
Driver's Ed--10%--5%10%---10%10%-10%10%5%15%8%5%3%8%3%
Driving Device/App--20%40%---25%--30%15%40%20%-30%50%--10%30%5%
Early Signing--10%---10%10%---15%8%--8%----10%12%
Electronic Stability Control--2%--5%----5%-----------
Emergency Deployment---------25%------------
Engaged Couple------10%---------------
Family Legacy-----5%---------------10%
Family Plan------25%-----25%------5%--
Farm Vehicle--10%-------------------
Fast 5-------5%--------------
Federal Employee---------8%10%-----------
Forward Collision Warning-----8%----5%--------3%--
Full Payment--10%--4%-10%--$5---5%15%-8%15%20%7.5%-
Further Education-------15%--10%-15%---------
Garaging/Storing---------------------90%
Good Credit------------"Financial Stability"
gets you a lower rate. You must also have stable residence.
-------
Good Student--20%--10%25%10%-15%22.5%15%10%-10%15%25%8%5%3%8%3%
Green Vehicle--10%-----5%-10%--------3%10%-
Homeowner-----5%12%----2%5%-10%10%3%5%5%-5%-
Lane Departure Warning-------------Safety features get automatic discounts applied when VIN entered in system. --------
Low Mileage-----10%-15%-------20%30%-----
Loyalty-----5%------5%--7%---5%--
Married--------------5%-------
Membership/Group-7%--15%-----10%-7%------20%--
Military-------25%-15%4%15%--25%-------
Military Garaging---------------------15%
Multiple Drivers-------------------5%--
Multiple Policies--10%--15%25%--10%20%10%10%12%-15%17%15%10%20%13%-
Multiple Vehicles-----15%15%--25%10%-20%10%15%15%20%15%5%5%8%-
New Address----------5%-----------
New Customer/New Plan-----------10%--10%-------
New Graduate----------5%-----------
Newer Vehicle--30%---10%---------40%--3%10%12%
Newly Licensed----------5%-----------
Newlyweds----------5%-----------
Occasional Operator---------------------Discount based on operator's individual driving record.
Occupation------10%---10%-15%------10%--
On Time Payments--5%-----------------15%-
Online Shopper-------11%-----7%--------
Paperless Documents- -10%--2%------5%$50-`-------
Paperless/Auto Billing-5%--2%-----25%$30-$410%$28%2%$53%3%
Passive Restraint--30%30%3%30%-33%-40%-5%20%-5%2%40%8%5%3%--
Recent Retiree----------4%--------3%--
Renter-----2%-30%--------------
Roadside Assistance-------5%--------------
Safe Driver--45%--15%-40%15%-12%35%31%10%20%15%---23%12%
Seat Belt Use---------15%------------
Senior Driver--10%--------10%-----5%5%---
Stable Residence-------------------5%--
Students and Alumni-------15%--10%-7%---------
Switching Provider-------5%--10%10%--10%--5%5%---
Utility Vehicle--15%-------------------
Vehicle Recovery--10%-5%10%-25%-25%35%10%25%---5%8%-3%--
VIN Etching----------5%10%----------
Young Driver------10%--------------$75

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As you can see, different providers offer different discount amounts. Ask around and include discounts while you comparison shop for the best car insurance company for scientists.

Which is the best scientist auto insurance company?

Researching auto insurance has never been so simple with today’s technology; however, there are quite a lot of insurance companies to choose from, and the overabundance of choice can be overwhelming.

We’re here to help. Below you will see a chart listing the average annual rates of some major insurance companies. Take a look to get an idea of what you could pay for scientist auto insurance from the top auto insurance companies:

Average Annual Auto Insurance Rates by Company
CompaniesAverage Annual Auto Insurance Rates
Allstate$4,898
American Family$3,443
Farmers$4,189
GEICO$3,216
Liberty Mutual$6,096
Nationwide$3,447
Progressive$4,044
State Farm$3,268
Travelers$4,445
USAA$2,542
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If you want more information on a specific insurance provider, check out our auto insurance company reviews. We compare and contrast multiple auto insurance companies to help you learn more about how each company operates, determines rates, and offers the best car insurance coverage for scientists.

Auto Insurance for Scientists: The Bottom Line

A scientist can find cheap rates by doing a few simple things like requesting online quotes from a variety of insurance companies, inquiring after discounts, and maintaining a good driving record.

As you comparison shop, remember to buy auto insurance that logically fits your needs. If what you need is cheaper rates to fit your budget, then request quotes from a variety of companies. That way you’ll have plenty of data at hand to compare the value of each one.

Start your search for affordable scientist auto insurance quotes right here. Enter your ZIP code below to receive free auto quotes from local companies in your area.