Auto Insurance Rates for Scientists

Car insurance rates for scientists are low because they tend to be careful and methodical. In fact, rates for scientists average $870.20 a year, which is $430 less than a medical doctor pays.

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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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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: May 26, 2020

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Here's what you need to know...

  • Statistics show that most scientists are safe drivers and therefore can expect to pay lower rates for insurance
  • Rates for scientists average $870.20 a year, which is $430 less than a medical doctor pays
  • However, the statistics do not mean that you can be a terrible driver and expect to pay these low rates
  • There are certain factors that can have an impact on your insurance rates either negatively or positively

As a scientist, it is assumed that you are going to be a good driver. However, that does not automatically mean you will have cheap insurance rates.

Enter your ZIP code below to find the lowest auto insurance rates and compare prices between competitors.

Who pays the most for car insurance?

There are two things that will most impact your rates in a negative fashion.

The first thing is if you are a terrible driver, and you have a number of points on your driving record.

High insurance rates will be impacted even further if you have a DUI conviction on the books.

In fact, if you have multiple DUIs, you may be in a position where only a high-risk specialty company will write a policy for you.

The second thing that will most affect your rates negatively is having a number of car insurance claims on your records, such as theft or natural damage.

These claims don’t even have to be related to an auto accident.

Each incident is an auto insurance claim, and every single one of them that requires your insurance company to write you a check for repairs or replacements will cause your rates to increase.

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What factors influence the rate of car insurance?

If you have a long history of good driving, then your rates will be lower than someone who has had a rough driving history.

In addition, if you are married, then you might find your rates are lower than an unmarried scientist.

Keeping your rates low will require you to keep your driving record clean.

In addition, you need to choose the type of car you drive carefully. If you drive a high-performance sports car, then you are going to pay higher rates than if you purchase an economical sedan, for example.

There are many different ways that you can keep your rates low including:

  • Maintaining a good credit record
  • Purchasing anti-theft devices for your vehicle
  • Carrying multiple policies with the same insurance company
  • Comparing prices between auto insurance companies

Enter your ZIP code below and get your FREE auto insurance quotes today.



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

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