Auto Insurance for Home Health Care Workers

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Key takeaways...
  • Your job can affect your auto insurance rates, positively or negatively
  • Home health care workers such as nurses tend to get lower rates because the job doesn’t involve much traveling, among other factors
  • If driving is a big part of your job, a standard policy may not be right for you
  • Inquire about available discounts and take advantage of them to save on car insurance costs
  • Look at different auto insurers and compare their respective quotes before you settle for one of their policies

The importance of the role played by home health care workers cannot be overlooked as more patients continue to turn to them for affordable care. The home health care system constitutes a significant percentage of the American health care system.

Some of the services offered by home health care workers include providing assistance to patients, regular household chores, and a bunch of typical day-to-day tasks.

Your occupation as a home health care worker will affect your auto insurance rates depending on each of the following factors:

  • How much you drive your car
  • How often you drive the vehicle
  • Whether you use the car in your work-related activities

If you are a home health care worker in need of better auto insurance rates, start comparison shopping by entering your ZIP code above!

Types of Home Health Care Workers


The general definition of a home health worker is a person who performs health care tasks and other related chores in a patient’s home. In most cases, home health care workers complete these tasks under the supervision of a medical practitioner or a nurse.

The most common services offered by home health care workers are distributed in the following fields:

  • Skilled Home Health Care Assistant
  • Transportation Support Aid
  • Nutritional Support Aid
  • Adult Sitters or Companion Caregivers
  • Home Health Care Assistance (Basic)
  • Speech Therapy and Physical Occupational Help
  • Non/Semi-Skilled Home Health Provider

Home health care workers differ in the services they offer. The constant factor in this profession, though, is the fact that this group of individuals is highly underpaid.

In most U.S. states, the earnings of home health care workers fall below the minimum wage, and they receive no overtime.

A home health care worker will pay an average of $2,112 for auto insurance every year.

This figure is not the same for everyone. It will vary depending on several factors, most importantly, your auto insurer.

Each insurance providers uses different methods to calculate risk and determine rates, meaning that you can get a better car insurance deal than the one you already have. The secret is to compare as many quotes as you can when shopping for car insurance.

Factors Considered in the Calculation of Auto Insurance Rates


Besides occupation, several other factors impact our auto insurance rates. Some of these factors are not the same across all car insurance providers.

  • Driving Record  If you have any traffic infractions or have been involved in an auto accident before and filed a claim, you should expect a higher rate. Keep a clean record and don’t file claims for minor traffic incidents to keep your rates down.
  • Coverage Gaps  Lapses in auto insurance coverage resulting from the termination of a policy will lead to higher auto insurance rates. If you don’t need the coverage for some reason, find an alternative other than canceling or deserting the policy altogether.
  • The Vehicle  Contrary to popular belief, a new car might get a lower quote than an older used vehicle. People tend to be more careful while driving a new car. Also, the value of your car will affect your rates. Expensive luxury vehicles will get higher rates.
  • Credit Score  A higher credit score can have a positive impact on your auto insurance rates. However, in some states like California, auto insurance companies are prohibited from using a person’s credit score in the calculation of their car insurance rates.
  • Location  City dwellers are more likely to obtain higher quotes due to the risks associated with living in the city. On the other hand, small town residents can get lower rates because of low population hence reduced crime rates.
  • Gender – Gender affects our auto insurance rates, especially at younger ages. Male drivers are statistically more prone to road accidents. Female drivers are deemed as the safer drivers hence less likely to file a claim.
  • Age  Young drivers have a higher likelihood of getting involved in an accident, therefore earning themselves a higher auto insurance quote. They can bring down their auto insurance rates by adding an older, more experienced driver to their policies.

In general, home health care workers can get lower quotes because their occupation doesn’t involve driving around as much.

Also, as stated earlier, female drivers attract lower rates. Home health care assistance is dominated by the female gender.

The home health care workers fall into the low-income category of American citizens, and if you live in California, you can enroll in the low-cost car insurance program.

Purchase the Right Coverage

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Depending on the nature of your work activities, make sure that you obtain the right type of coverage.

A standard personal auto insurance policy may not be a good choice if you use your vehicle to perform work or business related tasks.

Explain that to your agent or provider so that they can make arrangements and get the right coverage for you.

Remember, when it comes to auto insurance, don’t pay more than you need to. An expensive policy is not necessarily good coverage.

Figure out how much protection you need and then get shopping. To obtain the best rates, get multiple quotes and compare them.

Try our FREE online quote tool and start comparing auto insurance rates today! Enter your ZIP code below!

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