Many people believe otherwise. But, the truth is that your occupation can save you money on car insurance premiums. On the other hand, however, your occupation can also cost you more in insurance premiums and thus preventing you from getting cheap car insurance. There are several examples below that detail both cases. Additionally, it is possible to save on these premiums and find a cheap car insurance even if your occupation influences otherwise.

Scientists pay the lowest car insurance out of most of the occupations. Indeed, they pay less than nine hundred dollars on average. Following scientists in the cheap car insurance ladder are the retired persons, they pay only slightly more than what the scientists pay. Included in this bracket are also pilots and navigators who also pay relatively low amounts of car insurance.

On the other end of the scale are business owners, attorneys, lawyers and judges. These occupations pay almost double to their low insurance premium counterparts. These occupations pay almost one-and-a-half thousand dollars for insurance.

How does this work, that is, why are some occupations forced to pay higher rates and what is this based on?

For starters, the occupations that have lower car insurance include several common features. Some of these are:

1) They are occupations which are usually low stress.
2) Part of their occupation involves the safety of others. In many cases this is paramount in their training. Often, the driving records of individuals will be used to determine suitability for a position.
3) They are often forced to use the public transport system as part of their occupation.
4) People in these occupations need to be meticulous. This consideration affects how they drive.
Alternatively, those occupations that are expensive to insure also have several elements in common. These include:
1) In most cases, the occupation involves much stress.
2) The people are forced to spend a lot of time traveling in their cars to different locations or meetings.
3) The people in these occupations are often talking on their cell phones to clients while driving, even more so than the average driver.

These different elements make it obvious why insurers demand more or less money for car insurance premiums depending on you occupation. However don't forget that negotiating cheap car insurance rates is still possible.