Car Insurance Rates for Professionals

Car insurance rates for professionals is higher because their jobs are more stressful. Examples include (1) lawyers, (2) doctors, and (3) professors.

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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: Apr 30, 2020

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Here's what you need to know...

  • The path to becoming a professional is a long one when education and training are considered
  • Professionals are people in occupations such as lawyers, doctors, and professors
  • Insurance rates for professionals are usually higher than for regular working people

Finding affordable car insurance is important to most people, but especially to professional workers who have worked hard to obtain their well-qualified position.

No matter what occupation you have, you can compare car insurance rates from top companies now by entering your ZIP code in the FREE box!

What makes someone a professional?

The term professional can be applied to many different jobs in a variety of industries, so what exactly is it that makes a someone a professional?

Professionals have gone to college specifically for that field and received a specialized degree. Applicants for professional jobs will not even be considered without a four-year college degree.

Additionally, many professional jobs require education beyond a bachelor’s degree. This training is often extensive and includes mandatory practicums or internships.

If an applicant is considered for a professional position after just 4 years of college work, it is often with the understanding that continual education is required.

Beyond education,  some type of licensing is almost always required, either at the state or federal level.

To get licensed, individuals have to meet education and practicum requirements and take a test which can include oral reviews of work they have done.

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Examples of Professional Jobs

All the work and dedication that goes into becoming a professional is worth the reward. Professionals experience the most consistent steady rising of income as they build upon their experiences.

One example is a medical doctor. On average, doctors attend 8 years of school including residency. They must then pass the final medical board which are exams taken by those studying to become doctors.

There are different boards that must be passed at each level in order to continue in the process.

Lawyers are also considered to be professionals. After studying pre-law at the college level, you must attend law school.

Along the way, there are many practicums that take place depending on whether the student is focusing on becoming a prosecutor or defense attorney. After law school, students must pass the bar exam in their state before they can practice law.

Other examples of professionals are:

  • Dentists
  • Psychologists
  • Pharmacists
  • Professors
  • Nurses
  • Certified public accountants
  • Physician’s assistants

Each of these professions requires extended education or ongoing education as well as licensing by the state or federal government.

Considerations for Professional Occupations

Occupations are always taken into account when an insurance carrier sets car insurance rates because the insurance industry conducts research to determine what habits and driving patterns certain occupations have.

Rates for professional workers are high when compared to other occupations.

Recent studies of professionals found that they work a variety of hours and generally do not work consistent hours.

Another factor that comes into play is the fact that professionals tend to make more money than those in other occupations. Because of this, they also tend to drive more expensive cars like sports cars which cost more to insure.

Anyone, including professionals, can lower their car insurance rates by doing a few simple things.

Keeping a clean driving record with no moving violations or at-fault accidents will lower the cost of car insurance.

Having anti-theft devices on your vehicle, taking a defensive driving course, and purchasing multiple policies from one insurance company can also reduce your overall monthly premiums.

No matter what occupation you have, you can compare car insurance rates from top companies now by entering your ZIP code in the FREE box!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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