Auto Insurance for Customer Service Employees (Rates & Discounts)

Auto insurance for customer service employees doesn't need to be a major expense: there are discounts available. One way customer service employees can earn car insurance discounts is through a company plan. Company car insurance rules generally require that you either drive a company-owned vehicle during work shifts, or use your personal vehicle for business purposes.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 30, 2021

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What You Should Know

  • Some auto insurance providers offer discounts to people with specific professional backgrounds
  • Company car insurance discounts are another way you can save money on auto insurance
  • Customer service employees may qualify for these types of discounts

Understanding auto insurance might initially seem like a daunting task, but it’s a much less intimidating subject once you’ve done a little research. Auto insurance providers take a number of factors into consideration when determining your initial insurance rates. Those items include:

  • Age
  • Gender
  • Driving history
  • Credit score
  • Profession

Once you’ve been quoted an auto insurance premium, you may qualify for one of a number of different types of discounts.

Customer service is an important but grueling and often thankless profession. So why not take advantage of whatever perks are available? Read on to learn more about auto insurance for customer service employees.

Ready to begin your search for customer service employee car insurance discounts? Enter your ZIP code in our free search tool for a selection of relevant quotes from providers near you.

How much can customer service employees save on car insurance?

Can you get an auto insurance discount from your job? You certainly can – in fact, occupational discounts are an increasingly popular method of saving money on car insurance.

Among other types of professions, customer service employees are sometimes able to obtain this type of discount, but usually in the form of company insurance policies.

While teachers, doctors, and other professionals are able to earn direct occupational discounts from some insurance providers, customer service employees are best off seeking this type of savings through company policies.

The following table includes a comparison of major insurance providers and the occupational discounts they offer:

Occupation-Based Discounts Available by Company
Insurance Company Offers Further Education DiscountOffers Membership/Group DiscountOffers Occupation DiscountOffers Students & Alumni Discount
21st CenturyNoNoNoNo
AAANoYesNoNo
AllstateNoNoYesNo
American FamilyNoNoNoYes
AmeripriseYesYesNoNo
AmicaNoNoNoNo
Country FinancialYesNoYesNo
EsuranceYesYesYesYes
FarmersNoNoYesNo
GEICOYesYesYesYes
Liberty MutualYesYesYesYes
MetLifeNoYesYesYes
NationwideYesYesYesYes
ProgressiveNoNoNoNo
Safe AutoNoNoNoNo
SafecoYesYesYesNo
State FarmNoNoNoNo
The GeneralNoNoNoNo
The HanoverYesYesYesNo
The HartfordNoYesYesNo
TravelersYesYesYesNo
USAANoNoNoNo
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Company Car Insurance vs. Personal Car Insurance

Depending on the industry you work in, the line between company car insurance vs. personal car insurance can be a little blurry. Nevertheless, it is one option the Insurance Information Institute suggests using to reduce your monthly car insurance payments.

One way you may qualify for personal use of your company’s vehicle insurance plan is if you drive a company owned vehicle for work purposes.

Other company car insurance rules that might apply to customer service employees include discounted coverage for workers who use their personal vehicle to run required work errands.

Auto Insurance for Customer Service Employees: The Bottom Line

Occupational discounts are a great way to save money on car insurance, as are company vehicle insurance discounts, should you meet the criteria.

Customer service employees don’t necessarily qualify for direct occupational discounts, but there are certainly other ways they can decrease their auto insurance expenses – sometimes through those company policy discounts.

Looking for a new car insurance policy? Enter your ZIP code into our free search tool for a list of relevant quotes.

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