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Occupational Discount. (Insurance)
I have been a tradesman for the better part of 25 years.
When I changed jobs to become an instructor for my trade, I was offered (and accepted!) a significant discount on my automotive policies and my home insurance simply because my job description changed. It has kind of bugged me for about a year and I wondered if you considered this a form of discrimination against working class people. I haven't had an accident claim on my automotive or home policy for over 15 -20years, no speeding tickets in the same time frame. Shouldn't my insurance cost be based strictly on my record and not what I do for a living? Why not just lie about what you do for a living to reduce your rates?
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Bill K. "I started out with nothin and I still got most of it left...." 83 911 SC Guards Red (now gone) And I sold a bunch of parts I hadn't installed yet. |
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02-09-2011, 06:51 AM
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Back in the saddle again
Join Date: Oct 2001
Location: Central TX west of Houston
Posts: 56,168
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Wow. I'd never heard of anything like that.
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Steve '08 Boxster RS60 Spyder #0099/1960 - never named a car before, but this is Charlotte. '88 targa  SOLD 2004 - gone but not forgotten
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02-09-2011, 07:07 AM
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Banned
Join Date: Jan 2005
Location: cutler bay
Posts: 15,141
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where you live is a biggie even in a city
guys on the wrong side of the tracks pay more north fla is half the rate we pay in south fla credit score is an other biggie the insurance game is to put you in the smallest group possible to charge the highest rates possible when I up graded to a newer volvo 940 [airbags +ABS ] fron a older 240 with no such features I expected a rate cut but got an increase even if the motor and drive train is the same in both cars |
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02-09-2011, 08:04 AM
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UnRegistered User
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It was interesting to find that there were discounts for what you do for a living rather than your claims record....
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Bill K. "I started out with nothin and I still got most of it left...." 83 911 SC Guards Red (now gone) And I sold a bunch of parts I hadn't installed yet. |
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02-09-2011, 03:50 PM
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Join Date: Feb 2008
Posts: 18,855
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My mom gets a huge discount for being a teacher. Around 100$ on the 6 month premium.
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dolor et pavor Copyright |
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02-09-2011, 04:42 PM
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Retired Member
Join Date: Sep 2005
Location: Guelph Ontario
Posts: 2,523
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Could it be when you drove to the job site with your vehicle and had tools with you?
Is the commute less? I know my insurance company dropped my rates when I bought my house because statistically the claims were lower in my new neighbourhood.
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80 911 SC sold 17 Tahoe 07 Z06 Corvette 
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02-09-2011, 05:32 PM
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UnRegistered User
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Quote:
Still doesn't account for the drop in home insurance...
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Bill K. "I started out with nothin and I still got most of it left...." 83 911 SC Guards Red (now gone) And I sold a bunch of parts I hadn't installed yet. |
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02-09-2011, 05:50 PM
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UnRegistered User
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Oh and my previous auto policy reflected that I didn't use the truck for commuting. I do now and it is still cheaper...
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Bill K. "I started out with nothin and I still got most of it left...." 83 911 SC Guards Red (now gone) And I sold a bunch of parts I hadn't installed yet. |
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02-09-2011, 05:52 PM
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1983 Porsche SC
