Can I Avail Occupational Discounts on my Auto Insurance Policy in Wayzata, Minnesota?

Obtaining a discount on your auto insurance policy from your occupation may sound unlikely, but some insurers may allow a business owner or employee of a business with an occupational discount to apply the discount in cover to a personal account in Wayzata, Minnesota.

When Discounts Apply

Discounts do not apply to every situation, particularly when it is an occupational discount that is used for business reasons. In some cases, insurers may allow that discount to carry over to a personal policy, but it usually requires the same carrier for both business and personal use and may require individuals to use a personal vehicle for business reasons.

Variation Between Companies

Although discounts may apply in certain situations, it is rare and most companies will have strict divisions between personal and business vehicles, even when it relates to discounted coverage.

While the companies will have different rules and policies related to the situation, it may be possible to find companies that allow occupational discounts to carry over into personal coverage plans.

Finding the Right Plan

Even if an insurer does not apply a discount related to a specific occupation to a personal vehicle, you may be eligible for discounts that you’ve overlooked when searching for coverage. Different companies offer a wide range of solutions to help bring down the prices, so it is important to ask about any current promotions or possible reductions that may apply to a specific account.

Getting the right plan and policy is not always easy, but it is possible when you are willing to compare options. Since private insurers are different from business insurers, in most cases your occupational discount will not apply to the personal account. To learn more about getting better rates, contact us to talk to an independent agent.