Occupation is one of the determining factors of your auto insurance premium. Insurance companies determine auto insurance premiums based on several factors including age, gender, marital status, the area you live in, the type of vehicle you're driving, driving record, driving experience, credit rating, education, mileage counts, car safety features and occupation.

Hurricane Katrina, the Southeast Asian Tsunami and the recent Japanese earthquake have been major natural disasters around the globe over the last years. When looking to purchase auto insurance, make sure to include the possibility of a natural disaster. Also, keep in mind that most reputable insurers provide collision coverage, but not all of them cover damages incurred from natural disasters.

There are many people that stay with the same insurer and keep the same auto insurance policy for years. The main reason is that they are paying a relatively affordable auto insurance premium and are offered a satisfactory car insurance policy. Therefore, they are not interested in changing, or at least, shopping around for auto insurance for a period of 20 or even 30 years.