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5 Jobs That Can Lower Your Car Insurance Rates

It’s hard to keep track of all the things that qualify a person for discounts on their auto insurance policy. Most people know some of the obvious ones, like avoiding accidents or not receiving tickets for things like speeding or DUI. 

Insurance companies are all about avoiding the risk the customer presents to their company. They will investigate your personal and professional life to understand what type of person they are going into business with and whether they need to adjust your rates. 

But did you know one thing that can alter the price of your car insurance is the type of career path you choose? The cheapest job title for car insurance discounts is calculated by the company looking at how your job relates to your driving habits. They then analyze how much your job puts them at risk for having to pay a potential claim. 

This usually means that the time you spend driving to work is the main factor in this discussion. We also should talk about how the stress levels of a job affect your driving decisions and increase your insurance. 

We will look at five different jobs that present cheaper insurance opportunities for folks all around the country. We’ll also discuss why each of these jobs is considered a great opportunity for car insurance companies and whether you should look into these discounts if you are currently in one of these careers.

#1 – Teacher/Educator

Being a teacher is not going to present cheaper monthly insurance rates. Most teachers drive to work daily, and many of them park in school lots that have crime or a higher risk of vandalism than other jobs. 

Where being a teacher presents cheaper insurance is through discounts and promotions that many companies have. We all know how important this career choice is to our youth. Deciding to be a teacher or an educator says they want to help the next generation grow and improve our society. 

In turn, insurance companies want to thank teachers for their hard work and reward them with discounts. Liberty Mutual covers up to $2,500 in coverage for supplies or other belongings that are vandalized inside of a school parking lot. If you are in education, research this topic and find out all the potential perks. 

#2 – Blogger/Writer

The pandemic has presented opportunities for many jobs to go to a hybrid or remote work model, but online writers and bloggers have been ahead of the curve. Getting up in the morning and doing your job from your living room presents a lot of comforts, not the least of which is the insurance companies giving discounted policies to bloggers.

Online writers never have to leave their house for job-related commuting, so they travel less than most other workers. In turn, they are going to present less risk to insurance companies than most other professions. 

Writers are also creative individuals who spend a lot of time to themselves, deep in thought on their next project or trying to increase clicks on their blog. This means they might be less likely to spend time driving to special events on weekends or they might even forgo having a vehicle altogether. 

Resorting to public transportation for the rare instance of commuting means insurance and all other car expenses are eliminated from a monthly budget. 

Still, there are going to be variables that could influence these stereotypes, as many bloggers are focused on the travel or off-road driving niches. This will mean that these types of bloggers face higher rates than those in other writing jobs. 

#3 – Retired or Unemployed

This technically doesn’t count as a job, but it certainly is a designation that will help you see cheaper car insurance rates. You are either employed or you are not. The reason for your status really doesn’t matter for insurance purposes. If you are no longer commuting to a job, your policy will be cheaper than for someone who drives downtown daily. 

This doesn’t mean retired or unemployed people don’t still enjoy going out on the town or exploring the world in their car or truck. It simply means they are less likely to file a claim because they are on the road less often. This is a similar situation to those who are working from home or in a hybrid model. 

Along with being retired and less likely to drive, this demographic might also be on the older end of the aging spectrum. Being a senior citizen presents all types of discounts in almost everything you do in life, so look into these types of things if you are over 65 years old.

#4 – Pilot

Being a pilot is a way to get discounts on your car insurance because you are doing a job that puts a premium on safety and smart decisions. When you are a pilot, making a mistake while driving is much more likely to affect your job than other careers choices that put less emphasis on level-headedness. 

Being a pilot also means you are less likely to be driving much in your free time because you spend so much of your days behind the controls of an aircraft. You want some time away from driving, and others are more likely to drive you on days off. 

#5 – Scientist 

Researchers and scientists are typically very smart people who put a lot of thought into the consequences of actions around them. This means they don’t get into as many car accidents as other professions because they weigh the pros and cons of driving in any situation. 

Scientists pay an average of $870 in car insurance premiums, which is much lower than many other career paths. Entrepreneurs pay nearly $500 more in auto insurance fees because they are on the road and driving with a cellphone so often. 

How Can I Get Discounts With My Career?

If you don’t qualify for discounts because you aren’t in one of these fields, you don’t need to fret. There are other ways to get the cheapest car insurance rates. Just try your best to make the best driving decisions you can when you hit the road and your insurance company might still reward you for your conscientiousness. 

Shawn Laib writes and researches for the car insurance site, CarInsuranceComparison.com. He wants to help drivers from every walk of life learn how they can make better decisions and save on insurance.