According to a recent AA survey, the cost of car insurance has fallen by 4.1% over the past year. A combination of legal changes and increased competition has helped spur this trend, which should continue due to further industry reforms. These reforms include a ban of referral fees and a limit to legal fees in the UK. The drop in insurance premiums is good news to motorists who are being squeezed by high fuel prices, but there are other factors at play that can impact insurance. Although many motorists are aware that everything from their driving record to type of car can factor into an insurance price, not all are aware of the role that their listed profession can play.

How Occupation Impacts Car Insurance

When looking for an affordable insurance rate, most motorists look first at the type of car they are driving. Higher end cars or sports cars cost more to insure, so you could expect Infiniti cars to be more expensive to insure than a Ford Focus. Yet occupation also is taken into account. Those involved in careers deemed to be high-risk, such as professional athletes, can expect to pay far more than office assistants or nurses. Nurses pay only an average of £255 per year, while at the other end of the spectrum a race car driver would pay an average of £1,591. Individuals who work into the wee hours of the morning or live what is perceived as a fast-paced lifestyle can be hit with larger fees as a result.

Unemployed Drivers

Attention paid to occupation can be bad news for those who are out of work during these difficult economic times. Retired drivers tend to pay quite low rates due to a combination of driving experience and low mileage, but those falling into the unemployed category could be punished with a higher premium. Insurers view those without steady employment to fall into the high risk category. To mitigate this, unemployed drivers may wish to add an employed partner to their policy.

Keeping Insurance Prices Down

Although recent reforms are good news for those looking to save money on their car insurance, there are additional ways to lower bills. Occupation calculators provided by top insurance websites let you play around with different titles related to your job to find out if a certain wording could save you money. Using the comparison tool at, typing in "bricklayer," for example, leads to an average premium of £693 whereas a "construction worker" would pay £782. However, care should be taken because an inaccurate job title could cause future claims to be rejected.

Rather than misrepresenting an occupation, further ways to lower costs could include parking your car in a locked garage, adding a third party to the policy, or choosing a more insurance-friendly car. Finally, shopping around for the most affordable policy will help save a bundle. Just as you would compare Honda prices on Carsales before buying a new car, you can compare insurance prices at Go Compare,, and a host of other sites. This allows you to play around with variables to find the lowest possible quote. Giving a bit of extra thought to choosing a job title and comparing options carefully can help save money in the long run for many motorists.

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