Car Insurance for Pharmacists

Pharmacists qualify for discounts that decrease rates. Membership to the American Pharmacists Association, loyalty, multi-policy, good driver, and safety features are car insurance discounts for them.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • One of the biggest ways to save money on car insurance is to belong to a profession that receives automatic discounts
  • Pharmacists and other healthcare professionals are eligible for such discounts
  • Membership in professional organizations like the American Pharmacists Association will qualify you for an auto insurance plan discounts
  • Get the best discounts and save on your auto insurance rates by comparing quotes from different carriers as you shop for car insurance products

As a car owner in the United States, you are required by law to have car insurance. You will not be able to drive legally on major U.S. roads without having met the state-mandated car insurance requirements, which in most cases, is an auto insurance liability coverage.

The professional liability insurance policy will protect you from the financial burden of having to pay for damages arising from an accident by yourself.

Car accidents can have devastating outcomes. You can neither control nor predict the occurrence of an accident, but you can soften the blow if you get involved in one by purchasing sufficient amounts of coverage.

If you are a pharmacist in need of better auto insurance coverage, start comparing rates by entering your ZIP code above!

Auto Insurance Discounts Available To Pharmacists

Auto insurance providers have discount systems that you can take advantage of and reduce car insurance rates. Some of them offer specialized auto insurance products for pharmacists too.

Ask your agent or insurer some of the available discounts and your eligibility status.

If you fail to qualify for a discount with one provider, you can always check out the next carrier on your list. Compare as many quotes as you can and compare their discount offers before you settle for one of them.

Here are the most common auto insurance discounts pharmacists can exploit.

– Membership to Professional Organizations

In the eyes of the insurer, the level of education one requires to become a pharmacist is a strong indicator of integrity and personal responsibility. Therefore, pharmacy as a profession qualifies you for an auto insurance discounts.

Additionally, when you become a member of the American Pharmacists Association, you automatically qualify for a discount for belonging to a respected professional organization.

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– Loyalty Discount

All auto insurance companies offer discounts to customers who have stuck with them for a long time.

Typically, this type of discount can cut your auto insurance costs by about five to 10 percent.

While sticking to one insurer isn’t always the best idea, sometimes, if the rates are good and the service is exemplary, loyalty can save you a substantial amount in car insurance average cost.

– Multi-Policy Discount

Adding several cars to your policy can save you a few bucks in car insurance.

However, multi-policy goes beyond having more than one vehicle in your policy.

For example, you can bundle your car insurance and homeowner’s policies under one insurer and get a good discount.

Multi-policy discounts are not exclusive to homeowner’s and auto insurance policies only. Any other combination of policies can fetch a significant discount depending on the insurer.

– Good Driver Discount

Even without the auto insurance discount as the incentive, being a safe driver and adhering to all the traffic rules is good for you and fellow drivers on the road.

Having no traffic violations and having no claims will reflect positively on your auto insurance rates.

Some auto insurers will give you a good driver discount if you maintain a clean driving record for a given number of years.

In most cases, the level of discount will continually increase for as long as you will maintain the clean record. Some auto insurers will incorporate your good driving record in the calculation or your rates as opposed to presenting it as a separate discount.

If you don’t see any good driver discount on your policy, clarify with you agent contact/insurer.

– Safety Features Discounts

In most cases, auto insurance companies will offer discounts for vehicles that come installed with safety features. The discount will vary among providers.

The best thing is to shop around inquiring about specific discounts and qualify for them to slash your rates.

Here are some of the safety features you can install in your car to be eligible for these discounts.

  • Anti-Theft System– having working anti-theft tracking devices can reduce your car insurance rates because if your car is stolen, it will be easy to recover and the insurer will not have to replace it. The discount will reflect in your comprehensive part of your policy.
  • Anti-Lock Brake System– Anti-Lock Brake System braking system reduces the chances of collision or overturning in a tight spot. Therefore, having them installed will earn you a discount on the collision section of your policy.
  • Air Bags– having full front seat and driver’s side airbags can earn you significant discounts. The discounts are specific medical payments or the personal injury protection portion of your policy.
  • Daytime Running Lights– installing your vehicle with daytime running lights as standard equipment could earn you a small discount on your auto insurance policy.

Auto insurance companies have different methods of issuing discounts to their customers. Specifically, ask your insurer about available discounts and how to qualify for each.

To make the most out of these discount opportunities, present your American association of pharmacists’ membership certificates and inform your insurer about any safety features installed in your car.

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Car Insurance Policies for Pharmacists

The most common types of auto insurance coverage in the U.S. are the state-mandated liability coverage, collision, and comprehensive policies.

– Liability Coverage

An auto liability policy pays for the damages resulting from an at-fault car accident. This type of coverage caters for medical costs of any bodily injuries caused by the accident as well the damage to any third party property.

– Collision and Comprehensive Coverage

A combination of these two policies and liability coverage results in what’s popularly known as full coverage.

Full coverage will provide protection for a vast array of risks but does not provide a full cover. You are still exposed to a good number of risks.

To ensure the highest level of protection, you can add uninsured/underinsured motorist protection and the personal injury protection to your policy.

As a pharmacist, you are eligible for all the auto insurance discounts associated with the medical profession.

Shop and compare quotes from different providers to make the most of all available discounts and get the best rates.

Start comparison shopping today for the best auto insurance rates by entering your ZIP code below!

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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