Car Insurance Rates for Machine Operators

The average rates of car insurance for a machine operator in the US are $93.86/mo. Comparing quotes online for free can reduce your rates by up to 20%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

  • Because there are different types of machine operators, being specific about your job duties to your insurance provider is important, as one machine operator’s job may be considered more high-stress than another’s
  • Because machine operators have more dangerous jobs, their insurance premiums tend to be higher
  • Machine operators can lower their car insurance rates by comparison shopping companies and researching various auto insurance discounts

If you are a machine operator by trade, you may find that you are paying more for your auto insurance than your crazy driver neighbor simply because he or she has a safer occupation. That’s right, being a machine operator can affect your auto insurance rates. In fact, the national average annual cost for auto insurance for a machine operator is $1126.34 a year; about $400 more a year than a scientist.

The bottom line is that as a machine operator, you have what is considered to be a high-risk job. Because of this, you are under more stress than some other drivers, for example, a librarian or a student; at least that is the argument that the car insurance companies make for utilizing your occupation as a marker for determining your rates.

The job of a machine operator is very precise.

Not only are you responsible for ensuring that the machine that you are using is running the way that it should, but you are also responsible for the safety of everyone around you while you are using your equipment.

There is no doubt that this can place a certain amount of stress on someone.

The problem is that there is no way for an insurance company to determine how this stress is going to affect you. You may be one of the fortunate men or women who have no problem dropping your stress in your locker, so to speak, before you head home. However, statistically speaking, machine operators have a higher rate of accidents than people with less stressful occupations.

The good news is that this isn’t an occupation at the top of the list for paying high rates based on occupation. Business owners, for example, have an annual rate of approximately $1400 a year, which is a bit higher than that of a machine operator.

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Avoiding Paying Higher Costs

There are several ways that you can avoid paying higher rates and one of them is to ensure that your title doesn’t correlate with a higher cost with the insurance company. For example, if you select the option of machine operator on their list of occupations you might pay more than if you select other and state that your title is machine specialist.

We aren’t suggesting that you commit fraud by lying about your occupation, just be specific about what you do.

You shouldn’t have to pay the same rates as a crane operator, whose job is notoriously stressful if you are a forklift operator in a warehouse, for example.

In addition, if you feel that your rates are too high, especially if you have an excellent driving record, then you should feel free to call your insurance company and negotiate with them regarding your rates. If you are a long-term customer, they should be willing to at least talk to you about why you are paying higher rates for your insurance.

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Taking Advantage of Discounts

Another way for you to save money on your insurance as a machine operator is to ensure that you take advantage of every discount that your insurance company offers. This may require you to take some courses, such as defensive driving courses, in order to qualify for certain discounts, but over time, it will be worth it.

There are some companies that offer enough discounts that you could conceivably negate the increased cost that your occupation has affected. There are even insurance companies that will discount you more than 40 percent off your initial quote if you meet all of the criteria for their discount programs.

Choosing a Good Car Insurance Company

Because more insurance companies are using occupation as a marker for auto insurance rates, it is even more important than ever before to shop around for your auto insurance. Part of the reason for this is that not every company will use your occupation as a contributory factor toward your auto insurance rates.

If you don’t shop around, you may not even know that your insurance company is one that is implementing this practice. This is especially true if you have been with the same insurance company while being in the same occupation for a number of years.

We recommend that you get car insurance quotes at least once a year whether you were intending on making a switch or not. This will ensure that the rates you are paying are competitive with other companies.

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References:

  1. http://carinsurance.about.com/od/WaystoSave/a/6-Largest-Car-Insurance-Discounts.htm
  2. https://www.idrivesafely.com/
  3. https://www.edmunds.com/auto-insurance/how-to-save-money-on-car-insurance.html
  4. https://www.kbb.com/car-advice/articles/how-to-choose-the-right-auto-insurance-company/
  5. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums

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