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Your Occupation and Your Auto Insurance Rates – Why Do Some Occupations Pay More For Car Insurance?
Is it really true that some people can get a cheaper car insurance rate simply based on their job? What is the relationship between your occupation and car insurance rates? Is it fair that auto insurance companies charge higher premiums to those people who work in certain “high risk” occupations? These are all important questions for everyone to ask, especially those who work (which is most of us!), as many people don’t realize that their occupation is one of the factors that many insurance companies use to determine your car insurance rates.
The world of occupations is very broad. Occupations not only label who you are and what you do for a living, they now have a lot to do with how much you’ll pay in the insurance business. Life insurance is an important example of this type of occupational division. High risk occupations such as construction workers, miners and some other professions where the person is at risk of death and injury result in more expensive premiums compared to those where the person is sitting behind a desk all day day. A lot of people don’t think that’s the job of auto insurance, but it’s my job to let them know that they’re dead wrong. There are certain occupations that draw a great deal of attention to auto insurance companies, while some others really pose a high risk to auto insurance companies. Below you can see where your occupation ranks and whether it works in your favor or against you when trying to get auto insurance.
Based on the 2006 occupation report given by comparisonmarket.com, below are the 63 occupations starting with the cheapest to get car insurance and ending with the most expensive.
1 scientist $870.20
2 Retired $917.63
3 Currently not working $934.10
4 Pilot/Navigator $965.94
5 Disability $968.14
6 Actor/Performer/Artist $971.10
7 Librarian/Historian $1,008.86
8 Farmer $1,015.62
9 Student $1,028.96
10 Public servant $1,068.83
11 Design Services $1,070.87
12 waiter/waitress/host $1,071.25
13 Engineer $1,087.56
14 athlete $1,088.29
15 Home Teacher $1,091.73
16 Instructor/Coach/TA $1,098.86
17 Breeder/Groomer/Trainer $1,102.83
18 Clerk/Cashier $1,105.93
19 Computer Science/Mathematics/Research $1,110.15
20 chef/baker $1,114.89
21 Degree of Master/Dean/Education $1,121.15
22 Machine Operator $1,126.34
23 Architect $1,130.71
24 Mechanic/Tool Maker $1,131.33
25 Marketing/Advertising $1,135.33
26 Cleaning/Janitorial $1,136.02
27 Mechanical $1,138.33
28 Repair/Maintenance $1,142.89
29 Nil $1,146.46
30 Military officer $1,147.96
31 Merchant/Manufacturer $1,150.80
32 Customer Service $1,151.92
33 Other – Teacher with university degree $1,156.33
34 Construction/Skilled Worker $1,159.93
35 Technician $1,160.09
36 Other – No college degree $1,181.74
37 Bank/office/office staff $1,190.75
38 Nanny/Caretaker $1,193.97
39 Military E5+ $1,196.27
40 Admin. Assistant/Secretary $1,209.26
41 Clergy $1,209.72
42 Driver $1,209.94
43 Health worker $1,212.75
44 Finance/Ins Prof with degree $1,213.17
45 Barber/Esthetician $1,214.47
46 Sales/Real Estate $1,215.04
47 Government GS1-GS5 $1,215.50
48 Self Employed $1,217.59
49 Professional worker $1,219.49
50 Security/Jail Worker $1,227.74
51 Administrator $1,229.80
52 Supervisor/Ass. Manager $1,231.67
53 Manager/Director $1,240.14
54 Government GS6 or higher $1,262.45
55 Police/Fire – other $1,264.62
56 Doctor/Dentist $1,277.63
57 Military E1 to E4 $1,294.69
58 CPA/Controller $1,301.36
59 Police/Fire – Lt/Cptn/Chief $1,314.88
60 Nurse $1,316.40
61 Attorney/Lawyer/Judge $1,370.39
62 Executive $1,375.38
63 Employer $1,405.11
There is a good explanation for each of the following occupations and why they rank at the top or bottom of the table. Let’s start at the top and why scientists, retirees and pilots or navigators rank up there. When you’re a scientist, your meaningful research is done at home or at a company that pays you to be meticulous and find valuable information. These people often take these careful practices they learn on the job and use them on the road. Scientists are believed to be cautious individuals who think twice and always pay full attention to the actions they are taking. For this reason they tend to be better drivers than many other occupations and for these reasons the average premium is $870 per month.
After that comes the retiree with a premium of about $917 a month. Retirees don’t do much during the day and many of them stay at home watching TV or doing things around the house. Sometimes they decide to go out and drive to the grocery store and other places, the places they travel to, but; they are short distances, so there is less chance of these people having a car accident when driving. It is good to note that many retirees drive a lot, but this is an average of all retirees and since there are many of what we call “baby boomers” in our population, most retirees follow the pattern. described above.
Pilots and navigators are fourth on the list with an average premium of $965, which is relatively low compared to other professions. Auto insurance companies see these people as responsible people who are good at what they do. These people usually have another human being’s life in their hands and that usually translates to the road. When these people drive, they are thought to drive cautiously and defensively, and many of them tend to do the same actions they do at work, making them great drivers and very defensive behind the wheel.
On the other side of the table we see lawyers, attorneys and judges with an average monthly premium of $1,370. A big reason for the change may be because these people buy more expensive vehicles than the three occupations we discussed above. Since most of these people are still paying off the car or leasing it, they find themselves with a comprehensive coverage policy, which can be very expensive. Their cars tend to be more difficult to fix and require more expensive parts and labor, which is why insurance companies try to offset the “risk” by giving them more expensive policies.
Second, we see executives paying around $1,375 per month for auto insurance. There, too, people buy expensive cars that are more difficult and more expensive to fix, but one more detail needs to be added. Executives are constantly on the phone with people from all over the country and the world. For this reason, they are more likely to pay attention to their cell phones while driving, which has been shown to be a leading cause of accidents in the United States. Because of this little thing called a cell phone, executives face one of the most expensive monthly premiums of any occupation.
Last but not least, we come across the most expensive occupation to insure for an auto insurance company, business owners. With an average monthly premium of a staggering $1,405, business owners have the highest rate of any profession. The reason for this is that these people live a very stressful life. Trying to make their main source of employment work properly can affect these people and lead to more stress; more likely to make mistakes on the road. Add to that the fact that they spend countless hours on the road and that some of them use their cars for commercial purposes; and will face the most expensive premium out there.
As you can see, your occupation has a lot to do with how a car company perceives you. Unfortunately for people who fall into one of the expensive categories and are good drivers, they will always be seen as part of the group they work for. Occupations have a lot to do with who you are and how you are perceived, and now you can see that your profession goes further because it is not used to determine your auto rates!
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