How Your Profession Affects Your Car Insurance Rates

Your car insurance rates depend on many factors. The most obvious of these include your age, your vehicle and your marital status. However, some insurance companies also take your profession into account. In general, if you work in a job that entails high-stress levels and demands a lot of your time, you might have to pay more for your car insurance.

Who Runs The Highest Risk of Accident?

The professions with a high risk of a car accident are:

  • Executives
  • Lawyers
  • Doctors
  • Architects
  • Sales Representatives
  • Real Estate Agents

People in these professions work long hours, have stressful responsibilities and sleep fewer hours, which make car accidents more likely. People who work in these jobs might also drive more than other professionals.

Who Runs the Lowest Risk of Accident?

The professions with the lowest risk of a car accident are:

  • Scientists
  • Nurses
  • Pilots
  • Accountants
  • Teachers
  • Artists

These professionals, on average, get more sleep, have more manageable stress levels and are more likely to follow a regular, 8-hour work schedule. However, even though these individuals are at a lower risk of getting into a car accident, they do not always pay less for their car insurance.

Why Doesn’t Low Risk Always Mean Low Rates?

While a teacher may be less likely to get into an accident than a doctor or lawyer, a teacher may be less likely to be able to pay for damages. Doctors and lawyers make a higher salary per year, so even if they do get into more accidents, they do not have to take out a claim for every collision. In addition to evaluating your risk of getting into a car crash, underwriters for car insurance agencies assess your likelihood to take out a claim, in other words, the likelihood that you will ask the insurance company to pay for the damages you caused.

Ways To Avoid Paying High Rates

If you think it is unfair that, in some situations, individuals who make a lower salary per year pay higher car insurance rates, you are right. However, you can keep yourself from being in this situation.

The first method is to practice safe driving. When you are behind the wheel, take your driving seriously. Despite your stress level and lack of sleep, make sure to avoid the practices that lead to car accidents. These practices include tailgating, speeding, driving under the influence, failure to yield right-of-way, weaving in and out of traffic, ignoring road conditions, etc.

Another method is to look into car insurance discounts. You can find a list of Infinity’s car insurance discounts here. You can lower your monthly rates by bundling your home and car insurance by getting good grades in school and by choosing to receive paperwork from us electronically, just to name a few.

Make sure to get your car insurance through a provider who understands your situation. Call an Infinity agent today at 1-800-INFINITY or get an auto insurance quote online.

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