How much it can save you money on car insurance if you take a close look at your job title

Drivers across the country could save a significant amount on their car insurance by simply changing their job title – if it’s warranted. Before we continue, it is important to note that only legal and legitimate job changes will potentially help you qualify for cheaper auto insurance.

For example, if you are a primary school teacher but change your job title to cook, you commit fraud and you may find your insurance policy canceled as well as being in the central fraud database, effectively killing your chances of become good insurance in the future. Martin Lewis said on the MoneySavingExpert website he founded: “When considering whether you can use another title, always imagine asking a reasonable person who knew what you do for a living. They would say that it is reasonable to describe this to you. way?”

But if done legitimately, it can help. MSE user Chris tried it and told the site: “I saved £100 working in ‘software’ not ‘computer games’!”

Sometimes it can be difficult to break down your role at work into a few small words – so you may accidentally tell your insurer that you have a job that could increase your insurance. Many insurers also ask what field you work in, which can often have more than one description.

The reason insurers do this is that your work can often affect how you drive and who your passengers are likely to be. Insurers also have records of applicants’ past occupations, which means they can assess which jobs are more risky and likely to make an insurance claim.

Therefore, insurers like less risky or sporadic jobs, such as a civil servant. Meanwhile, they tend to shy away from high-risk jobs that often lead to more claims, including Premier League footballers.

According to Marsh Finance, the top five cheapest jobs for car insurance are:

1. Mechanic
2. Administrator or Public Servant
3. Designer
4. Design engineer
5. Account Director

When choosing a quote, try changing your job title slightly, within reason, to see if it affects your insurance. For example, if you’re a journalist, you can instead say you’re a writer, copywriter, editor, or content manager.

Once again, though, it’s important that the description you choose to give your auto insurer accurately reflects what you do on a typical work day.