Dangerous Drivers: Government, Desk Jobs Top Insurance List

February 22, 2010

If you're concerned about staying safe and keeping your insurance rates low, the parking lots surrounding banks and courthouses are probably not the best places to be.

So say findings from the insurance comparison-shopping site Insurance.com. If you're a lawyer, you're much more likely to have made a previous claim when shopping for insurance than a homemaker, for instance.

Sam Belden, the company's vice president, says in the accompanying release that the more accident-prone professions to demands for multitasking and for driving during rush hour. Those who regularly carry children tend to have better records as well.

Attorneys, judges, and financial professionals were among the most dangerous, according to Insurance.com's data, while athletes and homemakers were among the safest.

Findings were based on the ratio of accident claims to quotes for those who had requested a quote through Insurance.com, calculated over "tens of thousands" of claims, over the period of June to December 2009.

In general, of course, profession is one of many pieces of actuarial data used by insurers to assess their risk in covering you, and the higher the number of claims and accidents, the higher that profession's rates are likely to be.

To give you an idea of how wide the differences were, 44 percent of attorneys who received an insurance quote had previously made an insurance claim, while just 17 percent of athletes shopping for insurance had previously made a claim.

Insurance.com lists the following professions as having the most dangerous drivers:

1. Attorney/judge
2. Financial professional
3. Government worker
4. Bartender or waiter
5. Other professional
6. Dog groomer
7. Marketing/advertising
8. Barber/stylist
9. Coach
10. Nurse

[Insurance.com]

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