UPDATED: Mar 13, 2020
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After you’ve provided an insurance company with your basic information for a quote, they have a complex program that takes thousands of different factors into consideration. It then calculates a quote based on your needs and specifications. You can then filter through the options for an auto insurance policy that matches all your needs. Your job or occupation is one of the big things they look at.
The car you drive, how long you’ve been driving, your accident history, and many other factors are all weighed to determine what kind of driver you are. While your job may not be a direct indicator, there are a few things that can be gathered about a person based on their job alone. A pizza or flower delivery person, for example, spends many hours in the car, often times under pressure to make a delivery on time. They may even be getting orders from their boss via cell phone for the next orders. While CEOs and lawyers are under constant stress, making them more prone to on-road aggression, distraction by cell phones, and strict deadlines.
While some people may get penalized as an effect of their job, there is also money to be saved. There have always been discounts granted to drivers that belong to certain groups, organizations, associations, and industries and the availability of these discounts is only growing. AARP and AAA are perfect examples of groups that are granted discounts for belonging to a particular group. In most cases, these organizations pay insurance providers to extend discounts to their members.
Let’s face it – it’s not fun to work. It’s not fun to slave away the whole month at a job for a small paycheck. It’s even worse to have to send some of that paycheck over to the auto insurance company to pay for your monthly premiums. If you have a job that offers a discount on your insurance policy, however. some of this pain could be relieved.
But why do some jobs offer insurance discounts while others don’t? It’s not like my sister is more trustworthy than me because she’s a teacher and I’m a bus driver, right? When it comes to insurance, all companies specialize in risk assessment. They calculate risk based on all the data they have for specific groups of people. Based on their calculations, they found that certain occupations are “higher risk” than others.
Not every insurance provider has discounts for these occupations, so it’s best to check with your insurer beforehand before you start assuming the discount is yours. To be sure, first, contact your insurance company to ask them if your job comes with a discount. Scientists, pilots, unemployed, and librarians are some of the industries that have the lowest average insurance rates. Continue reading below to see which other occupations are blessed with discount insurance.
The Occupations With Car Insurance Discounts:
Current servicemen, retired servicemen, and veterans almost always have a discount to take advantage of. Not only are these discounts ways for insurance companies to thank you for your service, but there are also some statistics to back up their actions. Insurance companies have found that military personnel have lower chances of getting into car accidents and filing claims. In fact, there is a whole insurance company dedicated to bringing affordable insurance to military personnel.
Teachers and Educators
Once again, insurance companies give discounts to teachers based on the likelihood that teachers will get into accidents, get traffic violations, and file claims. Most insurance companies have programs that extend discounts out to teachers. If you are a teacher, make sure to call your insurance company and see which discounts are available to you.
Policemen and Firemen
Insurance providers usually give a 5-10% discount to policemen and firefighters. The reason for doing so is that insurance companies found that people in this profession tend to live close to work and therefore have a short commute. They also work strange hours, so there is a low risk they will be out driving during the dangerous time of rush hour. Not only do the insurance companies want to thank police and fire responders for their service, but they are also in a desirable risk group.
Doctors and Nurses
If you work in a medical related profession, you can expect cheaper rates! Sometimes these discounts can climb up to 15% off. Doctors, nurses, dentists, and veterinarians all are viewed in a favorable light by insurance companies and therefore get lower premiums.
Scientists and Engineers
Statistics show that people with bachelors of science degrees get into fewer accidents and file fewer claims against their insurance policies. You don’t have to be a rocket scientist perse, but being in a more “technical” field can qualify for you many rate discounts.
Other jobs that may come with discounts that we did not mention in this article include (but not limited to): pilots, librarians, and professional organizers. In fact, even if you do not have a job and are retired or unemployed, you may qualify!
Like stated above, to know for sure if your occupation warrants an auto insurance discount, you got to check with your insurance provider! Occupational discounts vary from company to company and state to state.
To see how your job and many other factors affect your insurance rates, start by entering your zip code above. After providing some very basic information about yourself and your driving habits, you will be presented with dozens of available auto insurance options.
This handy tool will also help you determine which discounts you qualify for. Not only can you get auto insurance discounts based on your job, but also in hundreds of other areas. The more info you can provide the more discounts you can check out.
Although some auto insurance providers won’t take your job into direct consideration, your driving history will usually do the job on its one. If you are more prone to accidents as a result of your job, they will happen, and it will end up costing you more to get insured in the long run. If your job is affecting your driving, it may be best if you look into driver improvement or defensive driving classes. Do it for your own safety, and the safety of others.
If your company doesn’t offer the discounts you want, but you think others do, no problem! 4autoinsurancequote.com is here to help you search for an auto insurance rate that you are happy with. Scroll up to the top of this page and fill out our form to begin.
- Fox Business – 6 jobs that get insurance discounts
- Insurance.com – Jobs that earn you insurance discounts