Car Insurance for Social Workers

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Here's what you need to know...

Several different factors can affect your auto insurance rates. Your driving record, your age, your driving experience, and even your credit score can impact your premiums each term.

Surprisingly enough, even your occupation can affect how much you pay for insurance on your everyday vehicle. If you’re a social worker, there’s a good chance that your insurance rates and occupation will have a direct impact on one another.

Enter your zip code above to find the best car insurance rates for social workers in your area!

It’s important to understand what type of effect working in a social services agency can have on your personal insurance. In most cases, you can buy a personal insurance policy that protects you while you’re doing everything from running errands to commuting to work.

Here’s what you need to know so that you can get the best coverage at the best price:

Why can your occupation affect your insurance rates?


When you’re asked to name indicators that say that you’re a high-risk driver, you probably immediately think of factors like:

  • Driving record
  • Claims record
  • Age

While each of these items is a rating factor, there are dozens of different indicators that can all have a bearing on your rates and one of these factors is your occupation.

Insurance companies spend money to do thorough risk analysis. The companies look at every aspect of the average driver’s daily life and then compile a list to see how data, lifestyle, and behaviors can all make someone more likely to file a claim.

According to the data, some professionals in certain fields are safer drivers than others.

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Are social workers statistically safer drivers?

If you’re in a safe occupation, many companies will offer you a special occupational discount just for disclosing your profession. Many times, you don’t even have to prove you work in a specific field for the savings. Social workers often qualify for these occupational discounts.

A major reason why social workers qualify for occupational discounts is because they have a lower accident risk.

Since they must attend college, graduate with a degree, and then pass a licensing test to work in most states, social workers are seen as disciplined and detail-oriented professionals and therefore business auto policy and a personal auto policy.

Personal policies will protect you when you’re driving your own car for business, but there are a lot of exclusions. If you’re in social work and you don’t have a company car, knowing these exclusions is important.

If you drive your own car to and from patients homes and clinics, then you probably qualify for coverage under the standard policy.

The only driving activity that’s not covered would be if you transport your patients in your car. Since this isn’t common, having a personal auto policy with high limits should be sufficient.

Know How Usage Affects Rates


How you use your car is a major premium determinant. You can select pleasure use, commute, or business use when you’re getting quotes.

Unless you only go to one site, you’re more than likely going to pay business usage rates as a social worker. Be sure to choose this class to avoid issues if you have a claim.

Everyone, no matter what they do for a living, wants to find the best rates on their auto insurance.

If you are tired of paying too much for a low limit of coverage, it’s time to find a good deal. Use an online rate comparison tool, and then find out which carriers have the best discounts.

Enter your zip code into the FREE tool below to access car insurance rates from top companies today!

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