Car Insurance Prices for Marketing/Advertising Professionals

The average car insurance rates for advertising and marketing professionals are $94.61/mo. These rates are higher than the national average since these fields are considered high-stress.

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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 20, 2020

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Here's what you should know...

  • Marketing and advertising professionals tend to have higher insurance rates due to their high-stress jobs
  • When your occupation increases your car insurance cost, you can comparison shop different companies and research discounts you may be eligible for at your current provider
  • You should be straight forward about the logistics of your profession with your car insurance company because stating that you simply work in marketing or advertising could raise your payments

The national average cost for auto insurance each year for a marketing or advertising employee is $1135.33 each year.

This is higher than the rates that someone in a less stressful field might pay but lower than that of a marketing or advertising executive, who can expect to pay almost $1,400 in premiums each year.

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The truth is that marketing and advertising can be stressful fields of employment. Both of these areas of expertise require the ability to sell services in a competitive industry. In addition, both of these fields also require you to be available whenever your clients want you to be, which can include the middle of the night, on your commute home, or while you are out to dinner.

Because the stress of work in these fields tends to follow you home, be with you while you are in the car and so on, insurance companies charge a bit more for people who work in this field than they do for people who work in less stressful areas of employment.

Another consideration regarding this career area is that these types of professionals tend to be more forward, in-your-face type of people, which translates as being more aggressive drivers. Studies have shown that people with marketing and advertising careers have a higher rate of accidents than designers, chefs, public officials, and so on.

Risk Assessments

Traffic light on red.

As you may have already guessed, your occupation is just one of the many factors that a car insurance company uses to calculate your car insurance rates. While your occupation is important, it doesn’t negate the other factors that determine your risk while driving.

For example, statistics show that men tend to be more aggressive as drivers than women. Because of this, if you are a male in a marketing or advertising career, you will pay a bit more for your insurance than a female in the same career with all of the other same parameters.

Another area of risk or lack of risk is the type of car that you drive. If you drive a sports car or a luxury car, then you will pay more than someone who drives a sedan or compact car.

Another consideration is where you live. If you live in an area with a higher crime rate, then this will create a higher risk factor for you, as a driver. If you are defined as high-risk, this will cause an increase in the cost of your premiums or the quote that you are getting.

Other factors include your age, antitheft devices available on your car, your driving record, your education level, whether you are married, and your credit score. Any accidents will increase your rates.

Before an insurance company can include a factor, such as your occupation, in their decision making process, it has to be approved by your state’s Department of Insurance or Insurance Commissioner.

Every state has different rules about how much an insurance company can charge for each risk factor and what risk assessment tools that they can use.

In most cases, you won’t be privy to the specific information used by your insurance company, but some will reveal this information if you ask. In addition, you can call your state’s Department of Insurance and ask what the acceptable criteria might be if you believe that you are being treated unfairly by any insurance company.

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Avoiding Higher Rates

It is important that if you work for a marketing or advertising company but you aren’t working directly in that field (i.e. an account rep, an advertising agent, etc.)that you don’t select marketing/advertising as your career option when you apply for auto insurance. Just because you work for that type of company doesn’t mean that this is your career field.

For example, if you are someone who acts as a party planner for the company when they get an account, are entertaining clients and so on, then your career selection should reflect what you do, not the company that you work for. You could end up saving money just by ensuring that you don’t choose the wrong career option.

In addition, if you move from one area to another, especially a lower crime area or an area that requires you to commute less to work, then this could be something that saves you money as well. Don’t forget to ask for any discounts offered by the company too; this could potentially save you hundreds of dollars a year.

Getting Quotes for Your Car Insurance

The one thing that you must not forget to do is to get quotes for your auto insurance. This is one sure-fire way to ensure that you are getting the lowest available rates for your auto insurance.

Getting quotes is easy with our free quote tool. Just enter your ZIP code below, answer a few simple questions and in just a few minutes, you will receive multiple auto insurance quotes!

References:

  1. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums
  2. https://www.sirc.org/publik/driving_risk.shtml
  3. https://www.insurance.ca.gov/
  4. https://www.dmv.org/insurance/car-insurance-rate-factors.php
  5. http://carinsurance.about.com/od/CarInsurance/a/Pros-And-Cons-Of-Online-Car-Insurance.htm

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