If you are looking for car insurance, then knowing the factors that are involved in the big decision of how much your premiums will be will be a first crucial step towards saving you money. When you are contacting insurance companies for quotes, you will be asked a series of questions that will let the insurance company know how big (or small) of a risk you and/or your vehicle will be to insure. Your premiums then will be a direct reflection of all of these factors and how safe you are as a driver, and how expensive it will be to repair or replace your car should the need arise. So while you may know and understand full well the importance of having a good driving record, or a reliable car with safety features that will minimize theft or damage, you also need to know the role that your employment plays in your car insurance.
This does not mean that you will be charged more insurance depending on your job title, but more importantly, insurance companies want to know how much you are on the road on a daily basis. The reason this is important information is simply because, the more time you spend on the road, the greater your risk of a collision.
When insurance companies are providing quotes on car insurance, employment plays a role when you use your vehicle to get to and from employment. Because having a car is often crucial to maintaining employment, car insurance companies want to know these details and how big a risk you might be to insure. When you are looking for quotes, you will be asked about your job title, and how many miles a day you travel round trip with your car.
You will also be asked the mileage of your vehicle, and may even be asked how many miles you put on your car annually. The reason for this is that not only does having a job that requires a commute increase your risk of collision every day, but it also adds mileage to your vehicle. Insurance companies like to give low quotes on vehicles with lower mileages, because high mileage cars are more expensive to repair or replace.
When you are looking for car insurance, do not worry about how your employment will affect your quotes, as often enough, there is little you can do about it, without changing to a job closer to home. All you need to do is take extra steps to show the insurance company that no matter where you work, you are a low risk to them, and this will help you get the low car insurance quotes you want.