How is it that one driver can get cheap auto insurance quotes and not another? Some of the factors that determine premiums are well known and make logical sense: age and gender, driving record and the make, model and year of the vehicle. Residence can also play a part; big cities are more crowded – and therefore, there is a higher probability of collisions – and car theft and vandalism is more common. Factors such as credit score are highly debatable, though this is still allowed in many states.

However, when you’re out to compare auto insurance quotes, you probably don’t realize that your profession can have a lot to do with it as well.

How Occupation and Career Plays a Part Believe it or not, there is actuarial evidence to support this practice, and it has to do with two primary factors: job-related stress and how much time a person spends operating their automobile.

A person who has a low-stress job and doesn’t spend a lot of time behind the wheel is much less likely to have an accident. Therefore, this driver is far more likely to get the cheapest car insurance quotes – it’s that simple.

Who Doesn’t Qualify for Cheap Car Insurance Quotes? Again, there are some surprises here. Insurers have found that lawyers actual pose the biggest risk behind the wheel. Contrary to the image portrayed on David Kelley’s TV programs such as L.A. Law, Ally McBeal and Boston Legal, lawyers do not spend all of their time drinking and having office affairs; they are usually working sixteen hour days in an extremely high-pressure environment.

Another group that pays a lot for coverage are the CEOs of major corporations. (Of course, since most of them get seven- and eight-figure salaries for shipping American jobs to China and avoiding paying taxes that the rest of us must pay while buying and selling members of Congress and elections, it’s hard to feel too sorry for them.)

Who Gets The Best Auto Insurance Quotes? Again, you’re going to be very surprised. Would you believe the lowest insurance rates are paid by – performing artists? It’s true…despite the fact that most such people in our society are paid almost nothing and frequently experience high levels of financial stress, they pay the least for their auto insurance. Of course, some of this has to do with the fact that most of them do not drive new and expensive vehicles for obvious reasons.

Those who are by necessity detail-oriented – accountants, researchers and professional pilots – also enjoy much lower auto insurance premiums.

The Bottom Line On the top end, those in high-stress occupations such as law, politics and finance pay $1,400 a year for car insurance on the average. Those in low-stress occupations pay an average of $900.

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