Although many auto insurance companies inquire about occupation, the answer you give them does not affect the rates. They ask this question as more of a screening than anything else. They want to make sure you are not using the vehicle for commercial use (which would not be covered under a personal auto policy). For example, if you list your occupation as a delivery driver, they may ask you additional underwriting questions to make sure you are insuring the vehicle on the right type of policy (or at least make you aware of the fact that you're not covered while using the vehicle commercially).
There are however, private insurance companies who only sell to certain groups (e.g. military personnel, teachers, govt. workers, etc) They can offer very low rates at times.
But never have I seen the type of occupation affect rates with a public auto insurance company.
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There are however, private insurance companies who only sell to certain groups (e.g. military personnel, teachers, govt. workers, etc) They can offer very low rates at times.
But never have I seen the type of occupation affect rates with a public auto insurance company.