Car Insurance Rates For Librarians/Historians

Car insurance rates for librarians and historians are $84.07/mo on average in the US. Compare quotes online to lower save up to 20%.

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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: May 12, 2020

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Here's what you should know...

  • Occupations have a direct influence on car insurance rates, depending on risk, stress, and commute time
  • Librarians and historians are potentially considered low-risk drivers, so their insurance rates may not be as high as people who work more stressful jobs
  • Driving a less expensive vehicle like a Hyundai or Honda can drastically lower premiums since they’re easier to repair
  • You should check your credit score annually to ensure that no one is using your identity, which would, in turn, raise your auto insurance rates

If you’re a librarian or historian by occupation, chances are you can save money on car insurance rates. The average librarian or historian pays $1,008.86 per year in car insurance premiums.

Comparing your car insurance rates has never been easier: start by entering your ZIP code in the FREE box above to get started now!

Historians and librarians are considered to be curious and detail-oriented professionals. Compared to other jobs that are considered more stressful (such as a sales executive or litigator), librarians and historians are considered potentially lower-risk drivers. Other factors, including where you live, your marital status, your credit profile, and your driving history affect how much you pay in total car insurance premiums.

How Librarians and Historians Can Lower Rates

One of the ways that historians and librarians can take control of their car insurance rates is to organize everything.

Like other financial records, keeping a copy of your present car insurance policy along with any communications received from the company is a good practice.

Make a record of any questions you have about the language of your policy.

Payment options: Pre-plan when your car insurance premiums are due. If you’re paying a monthly premium, write checks for each month and prepare them for mailing.

Alternatively, arrange an easy electronic bank debit or credit card payment with your insurance company. Payments should be received by the provider on or before the due date to avoid surcharges or cancellation of your coverage.

Research: Historians and librarians have a research edge on lots of other people. They know how to find and evaluate information. Every year, the insurance industry in your state publishes information about what cars attract the lowest car insurance premiums.

Some makes and models, including Honda, Kia, Toyota, Jeep, Chrysler, and others, as they cost less to repair than others. If you’re shopping for a brand new or used car, look for the makes and models of cars the insurance industry “likes” to get the best rates.

Librarians and historians may like to drive sports cars as much as other people. However, because they know how much money they can save, you’re more likely to see professional librarians or historians driving cars that are less expensive to not only insure but also repair.

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How Your Credit Impacts Your Car Insurance Rates

In addition, historians and librarians save money on their rates by reviewing their credit reports on a regular basis. Almost everyone understands what a problem identity theft is these days, but understanding its impact on what you pay for car insurance will surprise you!

Check your credit score for free every 12 months by requesting it from TransUnion, Equifax, and Experian. Check all three, because not all creditors file with each credit reporting organization. Dispute any errors on your credit report in writing, and follow-up with the credit reporting organization each month until the correct information appears on your credit file.

Keep in mind that credit reporting organizations access public information records about you or those with whom you are mistaken.

If you’ve got a common first and last name, check your credit report frequently for errors.

Alternatively, learn about identity theft protection services that help to keep a watchful eye on your credit file. Librarians and historians know all about useful information services!

After you’ve reviewed and made any corrections to your credit file, apply for new insurance or purchase a new car. By presenting an accurate credit report, you’ll receive the greatest opportunities to purchase affordable policies.

Dependent Rates for Historians and Librarians

Historians and librarians understand that teenager drivers usually warrant higher car insurance rates than experienced adult drivers. You will want to research the wisdom of including your teen driver on your policy, and the best options for doing this.

If the teenaged children are also good students, they understand the importance of communicating this information to a car insurance company. Good students may receive lower rates. If the same good students also take a defensive driving course, the insurance company may lower rates a little more.

Historians and librarians know that information is valuable. To find out just how much you can save on car insurance quotes, ask for that information now by entering your ZIP code in the FREE tool below!

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