Entertainer Car Insurance Rates

Due to the occupation's unique coverage requirements, entertainer car insurance rates can vary but are often provided at deep discounts. The average entertainer car insurance rates are $165.33/mo.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Individuals who work as entertainers have many unique car insurance-related needs
  • Entertainers who auto insurance comparison shop can save significant amounts of money
  • Performers who spend a lot of time on the road are often eligible for deep discounts

There are tens of thousands of people who work in the entertainment industry in one capacity or another. One thing that many of these individuals have in common is a need to travel great distances during the course of their duties.

This travel requirement obviously puts these individuals on the road a lot, and also means that they may be more vulnerable to an accident that the average person.

The good news is people who work as entertainers and travel a lot are frequently eligible for a number of car insurance discounts.

This article will shine a light on the subject of car insurance for entertainers and will highlight some of the ways in with comparison auto insurance shopping can make finding affordable auto insurance much easier.

Compare car insurance options today to make sure you’re getting the best value for your insurance needs.

Mandatory Auto Insurance Coverage

This group of car insurance coverages is generally mandated by law and for good reason. Individuals who are injured in accidents often face steep medical and even legal bills.

Thus, it’s a key consideration for those shopping for car insurance to make sure that these coverage levels are well padded.

  • Bodily injury liability insurance – This car insurance coverage option takes care of any medical bills that may arise from a collision with the policyholder or their vehicle. With the cost of even a short visit to a doctor easily running into the thousands of dollars, it’s easy to see why it is vital to have this policy item.
  • Property damage liability – Property damage liability coverage pays for the costs of any damages to personal property that results from an accident with an insured vehicle.
  • Personal injury protection – More commonly known as PIP, this car insurance coverage item pays for the medical care of the driver and passengers in the insured vehicle. PIP not only protects vehicle passengers against high medical costs but can provide disability and rehabilitation payments.

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Optional Coverage Items That can be Useful for Entertainers

Acquiring these car insurance policy items is left to the discretion of individuals. That being said, when an unforeseen occurrence leaves a vehicle disabled, many of these policy options can come to the rescue.

Collision coverage

This insurance item pays for damages sustained by the insured vehicle in accidents with other vehicles.

Comprehensive coverage

The world is an uncertain place, and it can be easy for a vehicle to be damaged by things such as vandalism, fire, flood, hail storms, and theft. When these calamities take place, comprehensive coverage swings into action to pay for any damages.

This option also covers damage from a collision with something other than a vehicle, such as an animal.

Glass coverage

The windows of any vehicle are usually the most fragile parts of it and can be expensive to replace. Glass coverage pays for the smallest nick or the most labor intensive windshield replacement.

Towing coverage

For entertainers who may travel tens of thousands of miles on the roads of the nation every year, breakdowns are a real risk.

Since a breakdown that happens en route to an engagement can have serious ramifications, having this coverage option in place can help to ensure that the show goes on as planned.

Theft coverage

Many entertainers may work as musicians and may thus carry large quantities of expensive equipment in vehicles.

By carrying healthy levels of anti-theft coverage, performers can protect their valuable equipment from unscrupulous individuals. It is important to note that some insurance firms may consider certain kinds of cargo as business-related or commercial in nature.

If the insurer deems the cargo commercial in nature, the performer in question may need to create a commercial policy in order to be fully covered.

Ways Entertainers can Save on Auto Insurance

Entertainers who wish to save money on car insurance and save time and effort along the way can be well-served by using a good auto insurance comparison shopping website.

These organizations spend time and effort researching insurance companies and then provide the resulting information for the use of customers.

A few minutes on an auto insurance comparison shopping site can result in years.

  • Vehicle-based discounts – Many entertainers have the privilege of driving newer and even flashier vehicles than the average driver. If these cars have certain safety measures in place, they often qualify for significant discounts.
  • Safe driver discounts – Entertainers who have traveled long distances without incident can be rewarded by their insurance companies with lowered premiums. Individuals who have outstanding driving records should make sure to cash in on this common insurance provision.
  • Group discounts – Individuals who work in the entertainment industry may be members of trade based groups. They may well be eligible to receive group discounts and should investigate this option as they comparison shop for auto insurance.
  • Age-based discounts – Performers who are older can often take advantage of discounts for senior citizens.

There is no doubt that people who work as performers face a special set of challenges when it comes to insuring their vehicles.

Entertainers who harness the power of car insurance comparison shopping when seeking insurance coverage can certainly expect to get the best options for the lowest prices.

Compare car insurance quotes today for FREE! Just enter your ZIP code below.

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