Many are not aware that the cheapest car insurance is usually offered to professionals. Studies have shown that licensed workers such as doctors, teachers, nurses and lawyers pose a lower risk while behind the wheel and on the road. They are therefore eligible for discounts. However, not all insurance companies offer the reduction, so it is always best to choose an insurer which considers this eligibility.
You see, driving is not an easy task. It requires that a driver be in a perfect state of mind and not intoxicated by any substances such as alcohol or drugs. It is imperative that the driver is defensive and alert while on the road. The one behind the steering wheel needs to stay attentive, looking out for other vehicles and pedestrians. Situations while on the road can change pretty fast, so a driver needs to process and decide right away. For instance, lawyers are seen as quick thinkers especially on situations that are compromising. Professionals, because of their achieved status, are considered to be responsible individuals who are less likely to get into accidents. Insurance companies look for that in every policy-holder. This is basically the reason why the cheapest car insurance is offered to those who deserve it.
Who are eligible for the cheapest car insurance among professionals? Apart from the ones mentioned, like nurses, lawyers, doctors and teachers, other professions that fall in this category are: architects, dentists, engineers, full-time students, scientists, firemen, police officers, paramedics, military personnel, pharmacists and government workers. The option for discounts is usually not discussed by an agent, so you might want to ask about it. Hop on to another insurance provider if you are denied of this price cut because most likely, some other company will be willing to take your business.
If you are a professional and you would like to make sure that you are getting the cheapest car insurance rate, look out for other qualities that an insurer considers. Maintain a good credit rating by paying your bills and mortgage on time. Buy a not so high-end car and install basic safety and anti-theft devices like alarms. If you own an expensive car, park it in a garage at night so it will not be prone to theft. Attend a defensive driving refresher course if you can. Try to lower your annual driving mileage by using public transportation when you can or carpool with a family member on some days. Lastly, compare proposals before deciding on one company. It is likely that the best offer will not come in the beginning. Take your time and get your money’s worth.