Compare Social Worker Car Insurance Rates [2023]
Car insurance for social workers is categorized as lower risk due to the regular business hours and safety of the job. To save on car insurance for social workers, use our quote comparison tool below.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Oct 20, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 20, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Where you drive, how often you drive, where your vehicle is parked, how your vehicle is used, and even what you do for a living can play a role in determining your rates
- Prferred drivers have a clean driving record and years of experience under their belts
- High-risk drivers are individuals who have had numerous accidents and/or traffic violations
One of the most effective ways to lower your insurance costs is to think like an agent. As a consumer who is shopping the market for insurance, it can be very helpful to learn how policies are rated and how different risk factors are even relevant.
Where you drive, how often you drive, where your vehicle is parked, how your vehicle is used, and even what you do for a living can play a role in rate determination.
If you would like to learn the most favorable ratings and how to avoid critical mistakes during the quoting process, you should become a self-proclaimed risk taker in addition to being a professional social worker.
Learn more about insurance for social workers, and understand how this occupation can help lower your premiums.
Start comparing car insurance rates now by using our FREE tool below!
What is a risk class?
The first step to being a wise consumer and a knowledgeable riskologist is to learn about the risk classes and why they matter so much to carriers.
In a marketplace where the service provider never really knows whether they will pay claims, it is crucial that the company assesses risk and charges a client based on their risk profile.
This is why all carriers that offer personal car insurance will have their own risk classes where they assign drivers to.
Here are the industry standard car insurance risk classes that you may fall in:
— Preferred Risk
A preferred status is the best that you can be given. If you are a preferred risk driver, you have years of driving experience and a clean driving record.
Even multiple non-fault accidents can disqualify you from falling into a preferred class. In addition to your driving record and accident history, the company will look at demographic factors like:
- Your marital status
- Gender
- Location
- Occupation
— Standard Risk
A standard risk driver will not receive the best rates, but they also will not get the worst rates. If you are assigned to this class, you have a decent driving record that has some room for improvement.
You can still have a moving violation or an accident and have a standard driving record. You must also have prior insurance, a good credit score, and some experience before you get out of high-risk classes.
— High Risk
High-risk drivers pay the highest rates because they are the most likely to cost the insurer money.
You do not necessarily need to have at-fault accidents or several citations just to be high risk.
You could fall into this group with a combination of different factors that include:
- Poor credit score
- Major violations
- Accidents
- Minor infractions
- No experience
- Risky occupation
- Lapses in coverage
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Why does your occupation affect your risk classification?
It is not out of line to wonder why your profession helps the insurer decide if you are going to cost them money.
After all, just because you have decided that you want to work in a specific industry does not mean that you make careless decisions behind the wheel.
Unfortunately, insurers look at drivers in groups instead of looking at you personally when they are trying to see if you will have a costly claim.
While you might assume that your profession has nothing to do with your behaviors and choices behind the wheel, the statistics show it does.
Since insurance rates are based on statistics and data, everything from your driving record to your professional status will be considered to give the company an overall picture of your lifestyle and how it directly correlates with your driving.
Factors That Can Make an Occupation More Risky
Now that you know your occupation can have a dramatic affect on your rates, the next step is to learn what makes a title riskier than another title.
The company will use generalizations when they are rating any given occupation.
Here are the factors that are considered when they are deciding if a title deserves a lower or higher rating:
- Level of stress
- Hours worked
- Training required
- Whether or not there is a focus on safety to others
- Job-related travel
- Potential distractions
- How often the professional drives
- Transporting clients or employees
Is a social worker a higher or lower risk?
Social workers play a very important role in society. When you work in the field of social work, you protect children and families and provide them with the assistance that they need to get through the hard times.
Since your core focus is on helping others get in a safe environment, most insurers will see you as a lower risk than the average person.
Social workers also are assigned a lower rated class because they work regular business hours and do not tend to have any real distractions that can hinder their driving ability.
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Other Factors That Might Help You Save
You have to consider all of the rating factors that are affected by your occupation when you are a riskologist.
In addition to falling into a good profession risk class, you may also fall into a good usage class if you live close to work or you take public transportation instead of commuting.
Be sure that you take the time to learn what rating factors will drive your already low rates up or down as you shop. Giving just one wrong piece of information can really increase your expenses.
There is a good possibility that your profession as a social worker can help you find low rates. If you have tickets, accidents or very little experience, this will bump you up to a higher class.
To find out how much you will really pay for coverage, you need to start comparison shopping. The first step is to use an online rate tool that will lead you to instant quotes for quick review.
Start comparing car insurance rates now by using our FREE tool below!
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
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...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.