Occupation and Auto Insurance Rates
Your occupation can greatly impact your car insurance premium. While scientists, pilots, actors and artists pay lower insurance premiums, lawyers, executives and judges pay very high premiums. This is because the latter group has stressful jobs which require them to talk frequently on their cell phones and while driving than the average driver. These are then considered high-risk and thus demand higher auto insurance than others.
Why are pilots, scientists, artists, performers grouped into low risk category then and why do they have to pay less auto insurance? For one, scientists are viewed as being very meticulous and disciplined, which translates to good driving habits on the road. Their attention to detail means scientists are safer drivers, resulting in lower auto insurance premiums. The same goes for pilots and navigators whose jobs require them to be focused on the safety of others. Not only does safe driving assume importance in their personal life but in their professional lives as well. This is because their career depends on good driving. A bad record can scar their life for ever.
Actors, performers and artists pay relatively low insurance premiums because usually their jobs require them to work in the city and would thus commute by local public transport as opposed to driving. This would limit their time in the car as well as their chance of getting into a car accident.
Now auto insurance companies are also offering discounts to a large number of people irrespective of their occupations. For a long time they have offered discounts to members of "affinity groups," such as AARP, AAA, alumni groups and other associations. These discounts are just now being extended to certain occupations as well.