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...

  • Your commute distance could impact how much you pay for coverage
  • Depending on your job, you may have the opportunity to receive discounts on your premium
  • Several different factors affect the total premium cost for auto insurance

Your job might affect the cost of car insurance more than you realize. Some jobs require you to spend more time on the road.

Furthermore, if you use your car for work, it’s going to put you into a different insurance category. It’s important to take a good look at your job, so you know how it will play into your policy and what you pay in premiums.

If you are concerned about your job’s influence on your auto insurance rates, compare at least three to four policies today and find the best rates for you! Enter your ZIP code above!

What Your Commuting Distance Is

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When you get a quote for your car insurance, one of the first questions you have to answer is what your average daily commute is. The farther you drive on a daily basis, the more it is likely going to cost you.

When you are on the road for a longer period of time, there is a greater chance of you being in an accident.

You might not be able to do much to control your commute. Carpooling might not be an option. You also might love your job and not mind driving 20 miles or more in one direction to get to the office.

However, you have to be prepared for it to cost you more.

There are also a lot of jobs where you might simply spend more time in the car for a job. For example, if you are in sales or marketing, you might be going from office to office or client to client.

While you get to write a lot of the mileage off on your taxes, it is still going to be more miles on the road per week – and this is something that insurance companies will look at.

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Using Your Car for Work

If you use your vehicle for work, it is something that needs to be shared with the insurance company. If you get into an accident and you are using the car for work, it could prevent the insurance company from paying for the damages.

Some uses of the car will need to fall into the category of a commercial auto insurance policy – not a standard one.

You will need two policies: Personal travel and business vehicle insurance.

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Some business use will be covered inside your personal auto insurance policy. However, if you have employees driving your vehicle or you are using your personal vehicle to carry a significant amount of supplies, you are likely going to need to have a business policy as well.

Otherwise, you might find that an insurance claim is denied – and you don’t want to get into this sort of situation.

Employment-Driven Discounts Available

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There are a lot of different jobs that qualify for employment-driven discounts. Not all insurance companies offer discounts to all types of employees.

If you are in a job where discounts are commonly given, it pays to look around to see if discounts are available to you.

Some of the most common jobs that receive discounts include:

  • Law enforcement
  • Firefighters
  • First responders
  • Military personnel
  • Teachers
  • Medical professionals

If you do qualify for a discount based on the job you have, you will need to provide proof to the insurance company, such as sending a pay stub, but the insurance company might request other documentation as well.

The discount won’t be applied until you send the proof in, either via fax, email, or another method.

Factoring the Job into the Cost of Car Insurance

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There’s a lot for you to look at with your job when it comes to buying car insurance. Take the time to look at how much you drive, on average. You have to answer this question when you buy your auto insurance.

If you work from home and barely drive, you might qualify for a low mileage policy. Otherwise, if you do a lot of driving, it could cost you more in premiums.

You also have to look at whether you are using your car for work. If you are conducting a lot of business with your personal vehicle, it might be necessary to get a commercial policy.

This way, you don’t have to worry about a claim being denied if you get into an accident, your car gets broken into, or something else happens.

If you qualify for a discount based on the nature of your job, it’s something you want to be sure you mention when getting a quote. When you get online quotes, there is often a place to check for the kind of employment you have, if it’s listed.

In the end, you want to consider how your job is going to affect car insurance.

Your job affects more than you might realize. Some jobs will help you to save money on premiums while other jobs will cost you more. It’s imperative to compare rates. Otherwise, you could be spending more on premiums than what is necessary.

If you question your job’s effect on your auto insurance rates and want to save money, start comparison shopping today by entering your ZIP code below!