Reduce Car Insurance With a Change of Life

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Reduce Car Insurance With a Change of Life

Have you ever wondered why some peoples car insurance is much more than others, even if they’re of similar age, similar experience, similar car etc. Well, there are other factors which car insurance companies use to determine the price of the premiums – some people are generally regarded to be higher risk than others, and risk is all that a car insurance company is interested in at the end of the day.

How to Change Your Life and Reduce Car Insurance Premiums

Get Married – ha ha, now there are other reasons to get married too, love, romance, wanting to spend the rest of your life with someone and raise a loving family, but some people (particularly young men) find that their car insurance premiums are reduced if they get married – shows that they are settling down and becoming responsible maybe!

Change Your Job – some occupations are thought of as high risk in “car insurance world” – so you might find that a change of occupation (or how you describe your occupation on the form) can reduce your car insurance premiums. If your job involves driving lots of miles, particularly at night time and under stress then your car insurance premiums will be higher. Sports stars, members of the military, entertainers, journalists are all thought of as high risk. If you’re a photographer, try re-inventing yourself as a wedding photographer and see if your premiums are cheaper . . .  Now we’re not suggesting that you hang up your career and swap the bright lights of Vegas for a job as a secretary or a police officer (both regarded to be low risk apparently) but you get the idea.

High Risk Occupations:

  • Sports stars
  • Comedians/Singers/Entertainers
  • Minicab drivers
  • Fortune-tellers
  • Stunt men and women
  • Journalists
  • Builders
  • Bee keepers
  • Driving instructors (really???)
  • Mechanics
  • Cleaners

Low Risk Occupations:

  • Policemen
  • Secretaries
  • Bank managers
  • Doctors
  • Teachers
  • Lawyers
  • Computer Consultants
  • Firemen

Move House – if you live in an area where car crime is pretty low, you’ll pay less for your car insurance. You should also live in a house with a garage, if you can manage it, then your car has a much better chance of still being where you left it, the next morning.

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