Car Insurance Rates

Car Insurance Rates

Did you know your occupation has a major effect on the car insurance rates you pay? It does, and it’s not what you might think. There are so many ways you can lower the cost of your car insurance premium, and you might not even realize that calling your insurance company to let them know what you do for a living might make a difference. Whether they simply don’t know what you do for a living, or you recently graduated college and entered the workforce, your career choice might play a big role in the amount of money you pay for your car insurance premiums each year. If you want to know if your premiums might go down, perhaps you should look into your career. Here are just a few good examples of careers that might allow you to ask for a car insurance Youi

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These are highly educated, trained, and responsible people, and they are rewarded for their intelligence with lower car insurance policies. Most car insurance companies deem engineers more responsible behind the wheel of a vehicle, and they see them as less of a threat when it comes to irresponsible driving. Ask for a lower rate if you are an engineer.


It’s not a big secret that teachers are grossly underpaid in many parts of the world, and that means you’re always looking for a way to lower your monthly expenses. If you are a teacher, you might qualify for lower car insurance rates based solely on your occupation. Call your insurance agent to ask about a discount for being a teacher. You’re considered more responsible and less likely to cause accidents because of careless driving based on your occupation.


Since airline pilots spend most of their time in the air, they spend very little time on the road. This makes them less risky drivers in the eyes of car insurance companies. If you live close to the airport from which you fly in and out of the most, you can lower your car insurance rates even more. Call and ask if you can lower your rates based on your occupation of choice.

You might be surprised which drivers are considered more dangerous or risky because of their occupations. One might think a police officer, for example, is a safer driver because they work to uphold the law, but they tend to pay higher car insurance rates. They’re on the road more often, and that makes them riskier. The same goes for anyone who drives for a living or might work a job that keeps them exhausted. Doctors, for example, work long hours and are often tired when they drive home from a long shift. Thus they are considered riskier and more expensive for insurance companies to insure.

Call your insurance company to find out whether you qualify for a lower premium because of your choice of work. It might work for you, but it might also make your premium more expensive if you do something your insurance company was unaware of that makes you a riskier driver.

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