Car insurance is all about risk, therefore if an insurer thinks your job is low risk, your car insurance will be cheaper.
Occupations such as secretaries, medical secretaries, legal secretaries, personal assistants, and clerical assistants are favoured by most insurers.
Those who work for local government jobs, insurance workers, librarians, teachers, management professionals, and judges are also usually liked by insurers.
People in these categories tend not to be fast or unsafe drivers, resulting in lower numbers of claims that are relatively cheap to settle.
Insurers do not like some jobs. They either price high to discourage potential policyholders or decline to take on this business. They don’t like Premier League footballers, for example, or fairground or circus workers.
Sometimes, the reasons are clear, even if possibly inaccurate or out of date. Sometimes, it can be down to prejudice, or the kind of thinking that made sense once but no longer does.
As with everything in insurance you do have to tell your insurer if you change jobs. This may push the premium up, or it could make it cheaper depending on the job you're doing.
If you don't tell your insurer, and then need to make a claim, it could reject you because you weren't truthful.
You need to tell your insurer about all of the jobs you do, no matter how many roles you have. It will then assess your risk while looking at each of your different professions.
Often car insurance is more expensive if you are unemployed, even though this may seem unfair. It's again, all to do with risk, and some insurers see those without a job as a higher risk of making a claim.
Your car insurance may become more expensive when you stop working. However, this all depends on the type of job you did. The price may go down if you no longer commute to work, for example, or if there is now a lower risk of you making a claim.
It's impossible to lie about your job when getting an insurance quote, and this could see any claims you make being rejected down the line.
However, insurers have different lists of professions and it may be the case that you could use a different title for your job to lower the cost. A journalist could be a writer, for example, while a researcher could also be an analyst.
It's all a bit of trial and error here though, especially as all insurers have their own definitions of professions. If you can save money by using a different title it's worth a shot, but be very careful to make sure the title is still accurate.
Insurance providers look at a whole host of things when calculating a premium. Along with things about you, such as your profession, age, and address they will also look at your car. That includes its make, model and age along with the insurance category it falls into.
Cars are ranked between 1 and 50 by insurers based on how expensive they are to insure. See our guide to the cheapest cars to insure for more details.