New Research Reveals The Most Expensive And Cheapest Job Titles For Car Insurance It’s Good News For Mechanics But Bad News For Professional Drivers
Youll be asked for your occupation when you arrange a new car insurance policy. But how much does your job title impact on the cost of your cover?
The fact is, insurance companies consider some occupations to be higher risk than others. The difference between the cheapest and most expensive policy could be as much as £200. Youre not going to change your job on the strength of an insurance quote, but the results of this latest survey make for interesting reading.
According to data from the Office of National Statistics , BBC and Statista, the average UK driver is 38, owns a Volkswagen Golf, travels around 7,600 miles a year, has a comprehensive policy and no previous accidents to their name.
Armed with this information, researchers at Vanarama used a price comparison website to analyse 100 different occupations. The personal details were the same for each quote only the job title changed.
Interestingly, car-based occupations provide the bookends for the table. The most expensive occupation is a professional driver, with the quote coming in at £479.80. Meanwhile, at the opposite end of the table, a mechanic pays £298.61. These are average figures there are many variables, such as postcode, where the car is parked at night and other names on the policy.
Do Law Enforcement Personnel Have To Purchase Auto Insurance As On
Most people in any profession require auto insurance to protect themselves while completing daily errands. As a law enforcement officer, your auto insurance will not apply while you are on duty. While you are working, the agency employing you will cover you through the departments insurance policy.
Personal auto insurance is unique to the individual since any transaction between a consumer and an insurance company is private. On the other hand, law enforcement agencies cover any vehicle that will be driven by employees. In other words, a commercial auto insurance policy will apply to the car you drive at work.
Any costs due to damages to an agency vehicle will be covered by your employers insurance. However, under certain circumstances, officers may be liable.
Tweaking Your Job Title For Cheaper Insurance
If you do test the impact of different job titles on the cost of car insurance, bear in mind that your stated occupation must accurately describe your profession. For example, you might find that a proof reader is a lower risk than an editor. A legal secretary might pay less than a law clerk while a café worker could be a better job title than kitchen worker.
If you veer too far from your actual occupation, though, you could be guilty of fraud and you risk invalidating your insurance as well as facing a criminal conviction.
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Do Speeding Tickets Affect Insurance In Ontario
Getting a speeding ticket is something most drivers will experience in their lifetime. Its one of the most common forms of a ticket, and if you get one, you want to know how a speeding ticket affects insurance.
As with other tickets, it depends on the severity of the ticket, or how fast you were going over the limit, and the classification of the traffic infraction and how many speeding tickets you have.
Your first minor speeding ticket will not have as much of an impact on your insurance as your third speeding ticket or a conviction for a serious speeding offense.
Usaa: Best For Military
Not only does USAA car insurance offer some of the lowest prices, but it also receives high customer satisfaction ratings. We give USAA 4.8 stars out of 5.0 in our USAA auto insurance review, and it is our highest-rated provider for a reason. The J.D. Power 2021 Auto Claims Satisfaction StudySM gave USAA top marks for claims servicing, and AM Best assigns USAA an A++ financial strength rating.
Note that USAA is only available to military members and their immediate family members. If USAA car insurance is an option for you, it is certainly worth exploring.
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How Does Distracted Driving Impact My Premium
Distracted driving is a major conviction. The fine for distracted driving is $490, plus three demerit points and if you are convicted of distracted driving, you can expect your costs to go up.
If you have previous tickets and then get a distracted driving charge, your costs could skyrocket and you may get your policy cancelled.
Can Police Officers Get Auto Insurance Discounts
When signing up for car insurance, its important to ask your agent about potential discounts. Car insurance companies offer a wide range of discount options, many of which are very easy to get. In some cases, you can get discounts based purely on the profession you are in. Doctors, teachers, and military personnel are some of the professions that frequently get discounted auto insurance rates.
If you are a police officer, you may be wondering if you can get a discount on your car insurance. While its not offered by every company, there are many companies that do provide discounts for police officers. Heres what you should know about car insurance discounts for police officers.
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Are Dashcams Worth It
This is a question only you can answer. Dashcams can provide a lot of value for the money, possibly proving your innocence in an accident, capturing the license plate of a hit and run driver and if the dashcam has GPS functionality it may help emergency services locate you.
While you may not be able to get an insurance discount for your dashcam, it may be able to keep you from filing a claim that will push up your premium.
It is possible to purchase a dashcam for less than $100 making them very affordable.
Is Dashcam Footage Admissible In Court
While it can vary by jurisdiction, in most cases, dashcam footage is absolutely admissible in court. This can be extremely beneficial if there is any question about who caused an accident, or how an accident unfolded.
It should be noted that you should only use a dashcam to record events that are happening in public view in a public area. You should not record on private property or if your vehicle is parked and facing private property.
In addition, if your dashcam records video or audio inside the vehicle, you need to inform any passengers that they are being recorded, if they refuse to consent you should turn off the camera.
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Be Smart With Coverage Options
As a law enforcement officer, you must carry liability insurance on your vehicle unless you lease the car or it has a lien against it. If you don’t owe any money on your vehicle and it has depreciated in value, talk to your insurance agent about whether collision and comprehensive coverage is worth it. If you choose to keep comprehensive and collision coverage, think about increasing your deductible.
One of the first things you want to do is get an estimate of the car, truck, or SUV’s fair market value. You can easily accomplish this using the guides provided by Kelley Blue Book and the National Automobile Dealers Association .
Do a comparison of pricing between comprehensive and collision insurance and liability coverage alone. Consider whether the amount you save by not choosing full coverage is enough to replace or cover your vehicle. If the savings are not enough, choose to keep full coverage.
If you decide you need full coverage, raise your deductible. When you raise your deductible, it lowers your premium. The downside to raising the deductible is if your vehicle gets totaled, you receive less payout.
Is Car Insurance More Expensive If Youre Unemployed
If youre unemployed you may pay more for your car insurance.
BBC research found that car insurance premiums averaged 30% more for out of work drivers, but costs could be as much as 63% higher.
The Association of British Insurers confirmed that unemployment was a recognised risk factor for insurers and say that this is supported by actuarial evidence.
Some theories to explain the perception of higher risk are:
- unemployed drivers will use their car more frequently to travel to more locations as they seek work
- The unemployed are less likely to maintain their vehicles, which could lead to more claims
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What’s The Best Job To Put For Car Insurance Now
These days, calculating risks for each job, trade and profession is more complex. In some cases, insurers so dislike some occupations that they will either refuse to quote or come up with a premium price that discourages applications.
There can be all sorts of reasons for this. Insurers like to spread their risks. They might have hit their target for that job, postcode or type of car so alter their pricing to avoid having a concentration of customers with similar risk profiles.
Insurers dont want to insure all the cars in a street. If a lorry scrapes the cars, or a water main bursts and damages cars on both sides of the street or a vandal scratches their keys down a line of cars, an insurer that covered all the cars would pay out a fortune all at once.
Insurers make the same decisions about certain kinds of work and workers. They may not want to insure anyone with a particular job, or they might feel they already insure enough of one kind of occupation so discourage any more through higher pricing.
If I Respond To A Situation While Off
Each employer may handle this differently. Speaking to your employer about this and how the work auto insurance would respond could be helpful. You may also want to check with your personal insurance company. If you respond to a situation in your personal vehicle, your company may consider that to be business use and deny coverage.
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Police Officer Insurance From Adrian Flux
There are over 140,000 full time police officers in the UK, with many more thousands in part-time and supporting roles too. Despite the invaluable service that the thin blue line provides, officers can often face a challenge finding affordable insurance for their private car.
Many insurers unfairly judge police officers to be a high insurance risk, due to their job, and so charge them higher premiums. Higher insurance costs can affect both you and any additional drivers on your private car, making other people pay for your career. At Adrian Flux, however, rather than punish our police officers, we want to reward those who protect our communities, offering money off your premiums with special discounts.
Provided you have a Police Advanced Driving Certificate or Police Standard Response Driving Certificate, you can get up to 20% discount on your car insurance from Adrian Flux. Not only could we offer you cheaper premiums, but also we wont judge you based on your job or consider you high risk just for doing what you love.
Speeding Tickets Versus Speeding Warnings
In the case that you are pulled over for driving over the speed limit, the officer will give you either a speeding ticket or a speeding warning. There are differences in how each will affect your wallet.
May add points to your license
Will not add points to your license
Are citations to appear in court and/or pay a fine
No need to appear in court or pay a fine
Can increase your auto insurance rates depending on the infraction
Unlikely to increase your insurance rates
Will definitely appear on your driving record
May or may not appear on your driving record
There are two different types of speeding warnings you can receive: written or verbal. A verbal warning will not appear on your driving record. There is no paper trail, and the incident is solely between you and the officer who stopped you.
The good news is that it is highly unlikely for a speeding warning to increase your insurance rates. Even if an auto insurance company knows about the warning, it is unlikely to care. However, if you have a high number of speeding warnings, that could be a different story. If you have multiple speeding warnings on your record, you increase the likelihood that the next officer will ticket you after a traffic stop.
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Our Car Manufacturer Partners
You can benefit from a Motor Source discount on all of these brands. We work closely with our partners to establish and facilitate a unique programme, guaranteeing you the best deals.
Forces Cars Direct Limited T/A Cars Direct, Forces Leasing and Motor Source, is authorised and regulated by the Financial Conduct Authority . We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance or hire provider if you decide to enter into an agreement with them. The nature of this commission is as follows: we receive a fixed fee per finance agreement entered into and we receive a volume bonus if the number of sales we achieve reaches a specific target. You can request for us to disclose the amount of any commission received. The commission received does not affect the amount you will pay under your finance agreement. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk
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How Does Ontario Graduated Licensing Work And Affect Your Auto Insurance
You Ontario must be 16 years of age to be eligible for a driverâs licence. The province operates using a graduated driverâs licencing system.
Drivers must complete all levels to become fully licenced. The G1 is your learner’s permit. You must be at least 16 and pass a written test. A fully licenced driver must accompany you to drive. It is recommended for drivers with this licence to be added to a parents or guardians policy to pay less.
To obtain a G2 licence, you must have your G1 for one year. It can be 8 months if you complete a driver training course. With this licence you can drive alone. Car insurance can be expensive because of your age, relative inexperience, and the chance of being in a collision.
To obtain a full G driverâs licence you must have your G2 for at least one year. You must pass the G2 exit test. No restrictions apply if you are over 21. At this point, you will see some savings.
If you are an experienced driver, adding a new driver will cause your rate to go up. Teenagers with a G1 or G2 have the highest rates. Ensure they take a driving course to qualify for the best savings.
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Do You Have To Be Pulled Over To Get Caught Being Uninsured
Can police check your car insurance even if you arent pulled over? Officers may now have more power to check insurance data, but its still possible that you could get caught with no insurance without even knowing it.
In states with electronic reporting requirements, carriers that are licensed to do business in the state are legally required to notify the DMV when policies terminate, renew, or begin.
This helps keep the state informed and can help them take action if needed. If no insurance is reported, the DMV will send out a notice. If you dont respond, you could face:
- Registration suspension
- SR-22 requirements
- Vehicle impoundment if caught driving on invalid plates
As you can see, state officials and peace officers are much more informed than you might think. In the past, it was easy to drive uninsured. Now, its cheaper to carry coverage than it is to break the law.
Make You A Better Driver
Dancers look in the mirror to correct their technique, athletes watch video of their previous games to improve their play and you can review your daily driving footage to become a better driver. Reviewing how you drove in the last week can help you see ways to correct driving mistakes, such as braking too hard or switching lanes abruptly.
Stephen Sutherland, Managing Director of Cornmarket Insurance Services, a UK insurance broker, says experience in the British market has shown drivers with dashcams tend to be safer drivers. These are drivers that are going out of their way to invest in a technology to protect themselves. They tend to look after their vehicles more and they are more aware of their driving habits, Sutherland says.
In the UK market, about one in seven cars are outfitted with a dashcam and data has shown 68% of drivers exhibited improvements in their driving behavior once a device was installed.
Being a better driver should lead to a good driving record, which should result in obtaining a good driver discount. A good driver discount is one of the best car insurance discounts to have since it can be up to 25% and typically extends to most of your auto coverages.
Additionally, better drivers have fewer at-fault accidents and at-fault accidents may increase car insurance rates. For example, one at-fault accident with property damage over $2,000 can increase your car insurance premium by up to 110%.
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