It can. Insurers ask what you do for work, and a job they see as dangerous can raise your price. Each company has its own rules, so comparing quotes matters.
Your job is one of many things insurers look at. Others include your age, health, hobbies and driving record.
Jobs like logging, firefighting or crop dusting are examples insurers treat as higher risk.
If your risk is higher, you may get a higher rate class or a flat extra charge added to your price.
Your driving record counts too. Insurers pull a report that shows tickets, crashes and DUIs.
One company may charge more for your job than another. Shopping around can save you money.
- Your job
- Risky hobbies like skydiving or scuba diving
- Driving record
- Health and age
More questions
Do I have to tell them my job?
Yes. The application asks what you do. Answer honestly.
Will a few speeding tickets matter?
They can. Many tickets, DUIs or major violations can raise your rate.
Does life insurance through work cover me if my job is risky?
Basic work coverage is usually guaranteed issue, with no exam or health questions. It ends if you leave the job.
Words to know
- Flat extra
- Another kind of extra charge added for higher risk. It is listed along with table ratings as a way to charge more.
