Does occupation affect car insurance?

Insurance companies set rates based on statistical data that assesses likelihood of having an accident. … Your occupation, therefore, affects your car insurance rates for a variety of reasons that include statistics, behavior, travel patterns and location.

Do car insurance companies check your occupation?

Do car insurance companies check employment? Insurance companies don’t typically ask for specific employment information, but they may do in some circumstances or when a claim is made. If you aren’t accurate and honest with your insurer about your occupation, you could invalidate your cover.

What occupation makes car insurance cheaper?

Top 10 jobs for cheaper insurance

  • Retirees.
  • Secretary and PA.
  • Clerical assistant.
  • Local government officers.
  • Medical secretary.
  • Secretary.
  • Classroom aide.
  • Book-keeper.


What jobs are high risk for car insurance?

If your job is a journalist, Police Officer, bar or club owner, pub landlord or market trader, then these are considered by some insurers as high risk occupations for car insurance.

Does not having a job affect car insurance?

“Car insurance is a lot more expensive if you don’t have a job, because insurers believe uninsured drivers are more likely to make a claim. Thankfully there are things you can do to help keep the cost down – especially if you reduce your mileage. ”

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How can I make my insurance cheaper?

Listed below are other things you can do to lower your insurance costs.

  1. Shop around. …
  2. Before you buy a car, compare insurance costs. …
  3. Ask for higher deductibles. …
  4. Reduce coverage on older cars. …
  5. Buy your homeowners and auto coverage from the same insurer. …
  6. Maintain a good credit record. …
  7. Take advantage of low mileage discounts.

What day is cheapest for car insurance?

Buying your car insurance three weeks ahead of the start day is likely to get you the cheapest price from a comparison site, slashing the cost of your premium in half, an MSE investigation which scoured millions of quotes reveals.

What happens if you lie to insurance company?

If you’re caught lying during the application process, the insurance company can immediately decline coverage. The incident will get logged in the MIB, which means other insurance companies will know about it. That means it will be much harder to get a life insurance policy from any other provider.

Do bus drivers get cheaper car insurance?

It’s not a hard and fast rule, of course, because the handling, acceleration and braking distances for a bus are very different than they are for a regular car, but on average professional drivers like bus drivers should be better drivers than an average motorist, which can sometimes translate into cheaper car …

Do police get cheaper car insurance?

Why is police car insurance cheaper? … Whatever the reason for it, though, insurance claims data indicates that police officers are generally better drivers and less likely to claim on their personal car insurance policies than other motorists, and that fact often translates into cheap car insurance for police officers.

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Do you have to tell your car insurance if you become unemployed?

Best policy is to avoid saying ‘unemployed’ Next time your car insurance renewal comes through, don’t fall into the trap of describing yourself as unemployed if, for example, you are retired, a student or a housewife/house husband. If you do, you could end up paying 50% more.

Can you get insurance if you don’t work?

People who are unemployed may be able to get a health plan through Covered California that includes savings based on your household size and income. You or your family members could also qualify for free or low-cost coverage through Medi-Cal. You will be shown prices for the plans available to you. …

Do you need to tell your car insurance if you change jobs?

Do you have to tell your insurer if you change jobs? You need to let your insurer know if your occupation changes but not if you change employers and continue in the same line of work. For example, if you went from being a shop assistant to a shop assistant manager, your policy would still be valid.

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