You’ll need to submit information about yourself when hunting to buy car insurance online. This includes detailed such as if you’re married and whether you own your own home. You will also be asked about your profession. You might well ask: why does it matter what you do for a living or what industry you work in? However, the answers you give can actually be vital for determining how much you can expect to pay for your cover. Let’s have a look at exactly why your profession affects basic car insurance.
Your job tells providers quite a lot about what you’ll be using your car for. Just some of the assumptions they’ll make include where it will be parked and what hours you’ll be working. This is very important for them to know, especially because they can marry it up against pre-existing data on when and where car accidents are most likely to happen. If it’s determined that you work in a profession where you’re more likely to have an accident – and therefore make a claim against your insurance – then you can expect to receive a higher quote.
Rightly or wrongly, car insurance providers make assumptions about your reliability based on your profession. It’s not necessarily fair, but it’s just one of the factors that will be taken into account when determining your quote. Different providers will rank different professions in their own unique way, so it’s hard to say which jobs will make a quote go up and which ones will make it go down. A general rule is that you can expect to pay a higher amount if you’re unemployed. If you aren’t truthful when declaring your profession then it might invalidate your insurance in the event of an accident.
Be sure to shop around
If you are concerned that your profession will push up the price of your car insurance then you need to shop around to get the best deal. You can do this easily by using Compare Insurance, a service which will bring up multiple quotes from different providers for you to choose from.