Why do certain jobs pay less for car insurance?

A friend of mine who has Farmers insurance said she gets a discount because she's a teacher. She just had to send a pic of her teaching badge. Why is that a thing? Is it like giving back to teachers or something?

Mar 31, 2018 Cedar Park, Texas

Ava Lynch

Mar 31, 2018

The discount you are referring to is known as an "Affinity" or "Membership" Discount. Basically, insurance companies use historical data to prove that certain occupations equate to less risky drivers. And when we say less risky, we mean less expensive. So, some insurance companies offer discounts for them. The typical professions where you can see savings are the following:

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