CAR INSURANCE prices are more expensive if you have these particular jobs according to new research from MoneySuperMarket.
Car insurance premiums are most costly for footballers who pay more than four times the average price for cover with a massive bill of almost £2,000. Fast food drivers were also revealed as having one of the most expensive premiums with total costs hitting almost £1,300.
The figure is massive five times higher than retired individuals who pay a total average bill of just £270.
The MoneySuperMarket data analysed seven million car insurance enquiries to reveal how job titles can affect overall insurance premiums.
The findings showed professional footballers and sportspeople had the highest total charges with average bills of £1,978 and £1,511.
Fast food delivery drivers may a yearly average of £1,291 for a policy which is caused due to the amount of time they spend on the road compared to ordinary motorists.
Scrap dealers and apprentices are among the top five with average prices of £1,286 and £1,243.
Students living at home were seventh and have to pay an average of £1,156 for cover over the year.
Examination invigilators have on average the cheapest car insurance premiums across the UK with an average charge of just £252.
Newspaper delivery drivers are also offered cheaper policies with an average cost of just £268 across the year.
Retirees pay just £270 for cover as curtain makers and cleaners are also among the most cost-effective careers with average charges of £278 and £283.
Rachel Wait, consumer affairs spokesperson at MoneySuperMarket said: “Our research shows that footballers have the highest insurance premiums, which is to be expected, given they often drive very expensive cars.
“However, it is surprising to see the high rates paid by more ‘everyday’ professions – such as delivery drivers and car wash attendants.”
Car insurance premiums are calculated based on a variety of factors such as where someone lives, crime rates and overall cost of a car.
Factors such as driving penalty points can also play their part as motorists are more likely to pay higher prices if they are considered a higher risk on the road.
Rachel Wait added: “Insurance companies keep massive amounts of information on the claims they’ve paid in the past, which then influences the way they calculate a premium.
“As a result, some professions are seen as more of a risk and can be charged more.”
Despite these results, recent MoneySuperMarket data revealed loaders were the most dangerous profession with a driving office rate of 7.21 per 1,000 drivers.
Car dealers, barmen and even priests were revealed as motorists which were more likely to pick up driving offences than any other.
Medical advisors were also among the most dangerous with an average offence rate of 2.75 per 1,000 road users.
Your job title is only one-factor car insurance providers look at when deciding how much to charge a motorist. However, this has a major bearing on the cost as it can describe how your car is being used.
Simply changing your job title when renewing a policy can reduce overall prices but motorists are urged to not stretch the truth too much for fear of having their cover invalidated.
However, simply referring to yourself as something different can see prices fall.
MoneySuperMarket say journalists could save up to £75 per year on average by describing themselves as a writer while construction workers can save over £300 by calling themselves a yard manager or stonemason.