Which Professions Qualify for Car Insurance Savings?

Wouldn’t it be nice that your job qualifies you for car insurance rate discounts as well as providing for your family? This is exactly what happens with some jobs. Some companies openly disclose and/or advertise the discounts they offer for certain professionals. Others may not mention it but apply lower rates to people with certain educational background and occupation when calculating premiums.

Recent auto insurance quotes analysis showed that motorists with better education, respectable jobs and good financial standing got much better quotations compared to driver with lower income and education. This was true with majority of top vehicle insurers. So, you don’t even need to look for companies that offer special rates in most cases although it helps. Just get a few quotes and see who would value your business the most.

Keep in mind that discounts vary depending on the company and where you live. Companies offer varying discounts for variety of occupations. Also, these discounts may be offered in some states while they are not available in others. The size of savings can be different as well. It is possible to get as much as twenty percent discounts if you find the right automobile insurer.

However, the final decision must be based on the overall premium quotation. While some companies are advertising to offer better rates for certain jobs the companies that doesn’t even mention can start with lower base rates. Furthermore, they may offer other discounts that are bigger than occupation related ones.

Here are some of the professions that qualify you for auto insurance savings;

1. Military Personnel

There are various discounts for military personnel who are on active duty, retired or members of the National Guard and Reserves. Several companies offer great rates for insuring cars in the United States of America. They may offer extra discounts for personnel who are living in a military base. These savings may apply to family members as well. It is worthwhile checking the best deal and using your military association.

One or two companies offer special packages for soldiers who are deployed to overseas. If you are being deployed and living your automobile in a locked garage and not letting anyone else to drive it you may be eligible for large discounts. You may be able to keep the current coverage as it is at only 10% of the usual cost.

2. First Responders

Essentially, police officers, firefighters and emergency medical technicians don’t use own cars during working hours. They may also live in communities near their work that reduces commute. These people are less likely to drive during busy hours and their cars are not used as much. Only these details are enough for them to get low rates. However, some companies offer extra savings as well.

3. Educators

College lecturers and school teacher qualify for discounts with many auto insurers. Some companies offer explicit 10% discounts while others offer various additional coverage for free. For example, you may get coverage for school material you are carrying in your vehicle free of charge or you may not pay deductibles if your car is vandalized at school. Check for the best prices and coverage.

4. Medical Occupations

People study hard to qualify for medical professions and it pays when buying auto insurance policies. Doctors, veterinarians and dentists can get sizeable savings while therapists, nurses and chiropractors get discounts as well. They can range from ten to fifteen percent and you need to look for companies that offer good deals due to your medical profession.

5. Engineers and Scientists

You may not even need to be practicing what you studied at University. Some companies offer good discounts for bachelor degrees in math, science and engineering. Probably they are considering that driving would be child’s play if you get through these studies and get your degree.

You may qualify for vehicle insurance discounts due to your association with some occupation related associations or membership to certain organizations. You may start with asking your colleagues, employer or association about the discounts available.

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