What professions qualify for auto insurance discounts?

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Asked April 27, 2011

1 Answer


There are quite a few professions which are entitled to discounts on their car insurance. Most professional occupations are eligible, as well as jobs working in public service. As insurance companies see it, a person who works in a profession that requires college education is more stable and poses less of an insurance risk, while those who work in public service or fill needs within the community are given discounts as a courtesy for the job they must perform.

Government employees, even clerks, are eligible for a discount on auto insurance. In the law and legal services, these discount apply to bailiffs, corrections officers, judges, police officers, commissary workers, and just about everyone else in the field. On the civilian side of the fence, lawyers, law interns, clerks, pages, receptionists and other related jobs also qualify. And just as police officers receive discounts, so do firemen, paramedics, dispatchers and 911 operators, and anyone else associated with emergency services.

If you have a Bachelor's Degree or better, you are eligible for an insurance discount even if you are unemployed. As with occupation, your level of college education is a marker of your stability and personal responsibility, which equates to a lower risk for the insurance company. Because they see you as being less of a risk, you are accorded a discount on your insurance to balance the cost/risk ratio.

Doctors, nurses and architects are given insurance discounts, along with professors, teachers, and other people working in the field of education. Where educational jobs are concerned, insurance companies perceive you as someone who is promoting stability and responsibility, not only for yourself but for those who receive your instruction.

Keep in mind that insurance companies are regulated on a state-by-state basis, and that not all companies will offer the same discounts as others. If you work in a field or have received a college degree and you do not receive discounts from your current insurance company, it might be a good idea to shop around and find out how much you could be saving with another company.

Answered April 27, 2011 by Anonymous

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