Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Insurers can’t decline your auto insurance application for coverage because of your choice of occupation
  • While being an actor won’t lead to denial, your occupation can have an affect on your because of occupational ratings
  • When you work in the entertainment industry, you can fall into a high-risk class which means you may pay higher rates
  • Your commute to and from auditions might not be consistent but you need to inform your agent of the commute
  • If you’re financing your car, you must buy a policy in your name that includes comprehensive and collision coverage

It takes a special kind of person to become a successful actor.

As much as working in the entertainment industry is glorified, being an actor or actress isn’t as luxurious as you might think. Most people who make it big spend a lot of time living off of crumbs to get noticed and land parts.

Having the ability to act is a lot different than having what it takes to succeed. If you want to succeed in this tough industry, you must have the drive and the ability to handle rejection.

Actors who have already started the process to make it in entertainment have to have an open mind when it comes to jobs.

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What does your occupation have to do with auto insurance rates?

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Your car insurance rates are strongly influenced by your driving history and your lifestyle.

One of the factors that can change your rate is your occupation.

A carrier can’t decline you the option to buy insurance just because you’re an entertainer, but they can assess you a higher rate because of it.

For some, the idea of being penalized for choosing to work in a specific field can feel unfair.

As unfair as you might think it is, there is data that shows that some professionals work in environments or possess traits that make them more likely to file a claim. You have to understand how being an actor is viewed.

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What are some common risk factors for actors?

Insurance professionals in charge of assessing data and conducting studies will look at the chances that a professional in a specific field will have an accident.

If you’re an actor who takes small roles, you’re considered to be a low risk for a number of reasons. Here are some of the reasons actors may be classified as low-risk drivers:

  • Actors work on sets. They aren’t exposed to loss often or put in life-threatening situations.
  • The job itself isn’t very stressful and that gives them the ability to stay alert while driving.
  • Most actors reside in the city or an urban hub where there is access to public transportation which means that they will rely less on their own vehicle.

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How much does the average actor pay for auto insurance?

Insurance companies don’t base your auto insurance rates strictly on the fact that you’re an actor. A lot of other rating factors are going to be considered when you’re given the figures for your personal rate.

There’s never a way to estimate how much you’ll pay without getting quotes, but it does help to know the customized cars that are extremely valuable might not even qualify for coverage from some of the larger traditional companies.

How does your credit affect your premiums?

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If you’re living and auditioning in California, you’ll be happy to hear that your rates won’t be negatively impacted by your credit score.

In most other states, car providers have the right to check your credit-based insurance score to calculate your final rate. If you’ve been racking up your balances or you’ve defaulted on a loan, you could pay inflated rates because of your insurance score.

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Do you commute to and from classes and auditions?

Another factor that is influenced by your occupation is your commute. Actors have a unique commute because they may hone their skills by taking classes or attend several auditions just to finally make it as a paid employee on the set of a studio.

Your rates are very dependent on how you get to these auditions and these days on set. If you’re driving strictly to one set or a nightly acting class, you’ll pay a commuter rate.

If you’re taking public transportation or you’re getting to work another way, you will pay a lower priced pleasure rate.

Can you ask for a low-mileage discount?

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If you’re spending most of your time in the studio or in a class, you have a lot less time to cruise around in your car. You have to take a look at your odometer and see how many miles you put on your car each month or week.

If you’re only driving your car 3,000 to 5,000 miles every year, you could save up to 10 percent off of your rates with a low-mileage discount.

To keep this discount, you might have to sign a statement verifying that you’re limiting your driving.

The statement will ask for a current, verified odometer reading and the date.

Don’t Pay Too Much For Your Insurance

If you’d rather focus on memorizing lines or perfecting your skill than shopping for insurance, you could rush into a contract that’s overpriced. The only way to

The only way to avoid overpaying is to get multiple quotes. By shopping around, you’re giving yourself the power to find the best bargain.

You’ll have to look at your driving record and your vehicle to determine if you’re going to be a high-risk driver. One way to get assigned to the right policy is to get online quotes through our comparison tool.

By entering your information, you’ll be assigned to the right risk class and directed the instant car insurance quotes in the blink of an eye.