How To Cut Down Your Pemiums In A High Risk Profession

Recent surveys from insurance groups such as Endsleigh, have found that drivers who are involved in the medical profession are more accident-prone and therefore considered to be high-risk drivers. Doctors and surgeons, as well as accountants and life guards are also more likely to be involved in an accident and pay more for their car insurance premiums.

Other professions that are considered to be high risk on the road include professional sportsman, entertainers and journalists. This could be due to their higher reliance on mobile phones while driving, even using hands-free kits.

Actors, wine merchants and antiques dealers are, according to the research, confirmed to be some of the safest drivers across the UK. A few other low risk professions include teachers, bank managers and office workers.

If your profession had a record of being involved in accidents, car insurers will penalise you and you will have to pay higher car insurance premiums. It is therefore not only important to shop around when your car insurance renewal comes around but also be sure to describe your profession accurately.

Some jobs, although they sound similar, will attract different car insurance rates. You don't want to end of paying more than you have to. State your exact career and make sure that you give relevant information about your job. If your job description implies that you could be driving around and you're not, tell your insurer.

And it's not only what you do for a living that insurers consider when they determine your car insurance premium. They will also take into account a number of other factors such as your gender, age, where you live, driving experience and type of car, all of which are also very important in calculating the cost of your car insurance premium.

Paying for your insurance all in one go should be cheaper. If you are unable to do this, beware of the high interest rates some insurers charge for the benefit of being able to pay monthly. If you increase your excess you should benefit from cheaper car insurance premiums, but remember that this is the amount that you will have to pay in the event of a claim. As always, pay for what you can afford.

Jobs that require a high level of contact with the public attract higher premiums because more people know those in their job; the risk of the car being damaged by someone over a dispute is higher. Theft risk is increased as more people may know where an individual lives and where to go to possibly steal their car.

Fitting an alarm, immobiliser or steering wheel lock, or better still keeping your car in a garage should help to lower your car insurance premium. These additional security measures will increase insurer, as well as your own confidence that your car is secure.

Finally, one of the best ways to save on our car insurance premium is to shop around each year. This is because different insurers will have varying attitudes towards the risks associated with each profession. By exploring several car insurance quotes and comparing policies on a like for like basis you should be able to find a good deal on your car insurance. n