 Are you sure that your occupation does not influence your auto insurance rate? In Insurance.com's 2006 Occupation Report, results demonstrate that your occupation can greatly influence your car insurance premium.
Using facts from data from their partnering auto insurance companies, Insurance.com's report demonstrates that scientists and actors/artists pay the lowest insurance rates at an average of $935.76 per year. Attorneys and business owners pay the highest insurance rates at an average of $1,383.63 per year.
You may be interested why your occupation has an impact on your rate. According to David Roush, CEO of Insurance.com, attorneys and business owners have very stressful jobs, which require them to drive more and talk more frequently on their cell phones than the average driver. "Considering all of these factors, you can see why some occupations are called "high-risk" and usually require more money for auto insurance then others," said Roush.
Such occupations like scientists, actors/artists require less for auto insurance and there are a number of reasons. For one, scientists are believed to be very careful and detailed-oriented people. Such traces lead to good driving habits on the road. This outstanding attention to detail usually means scientists are safer drivers, and they benefit from lower auto insurance rate.
The same goes for pilots and navigators whose jobs require them to be concentrated on the safety and wellbeing of others. These skills are frequently transferred over to their driving habits as well. "Pilots and navigators are often very safe drivers because their driving record not only influences their personal life, but also their professional life," said Roush. "If a pilot or navigator was to get into an accident or receive a DUI, their career opportunities would be restricted or even worse, eliminated."
Actors, performers and artists get also the lower premium because they usually work in the city, where they are more apt to use train or bus to get to work, versus driving - limiting their time in the car and reducing their chance of getting into a car accident.
Roush said that getting discounts on auto insurance is not a new concept. For years, members of "affinity groups," such as AARP, AAA, alumni groups and other associations are given discounts by insurance companies. These discounts are just now being extended to particular occupations as well.
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