UPDATED: Sep 2, 2020
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A Concise Overview:
- Repair and maintenance workers drive more than the average motorist.
- Auto insurance companies charge more for premiums when you drive more.
- Most repair and maintenance workers receive coverage through their employers.
Is auto insurance for maintenance and repair workers cheaper than average? Repair and maintenance worker auto insurance is generally higher than the average cost of car insurance. Repair and maintenance workers have a higher chance of driving more than the average licensed driver per year.
However, you can get cheaper car insurance rates through discounts. In this guide, we’ll show you how to buy auto insurance for repair and maintenance companies and contractors.
If you want to compare auto insurance rates for maintenance and repair workers right now, enter your ZIP code in the free comparison tool above to find quotes.
Auto Insurance for Maintenance and Repair Workers
Companies either employ their own repair and maintenance workers or hire independent contractors. Their employer’s auto insurance covers any general repair and maintenance employee who drives a company vehicle. However, employers don’t include private passenger vehicles for employees.
A company with several vehicles will most likely have commercial auto insurance. They can only qualify for commercial coverage if they have more than three cars to insure. Most commercial auto insurance perks come with mechanical breakdown insurance, mobile auto mechanic and truck repair insurance, and other general business insurance options.
Maintenance and Repair Workers Who are Independent Contractors
Repair and maintenance workers who are independent contractors may not have the same purchase power as a big or small company. Therefore, independent contractors may have to buy their insurance services separately.
In other words, contractors would require a car insurance policy for their vehicle and independent contractor’s insurance. If you’re a self-employed contractor, this will help to enroll in mechanical breakdown insurance like Carshield or AAA auto repair insurance to ensure that your vehicle can be fixed in an emergency.
The toughest part of shopping for repair and maintenance worker car insurance is finding affordable subcontractor insurance quotes. Independent contractor insurance cost is $400 to $750 per year. Prices are competitive, so you’ll need to keep searching to find the cheapest contractor insurance. Geico contractor’s insurance is also available if you want to go with a more prominent company.
“How can I find contractors insurance near me?” The best general contractor insurance can be found using any search engine across the web. Include your ZIP code in the search to narrow your results.
Why do insurers ask about your occupation?
Your occupation is important to auto insurance companies because it’s a way to verify your identity. They can also use it to estimate your level of risk. Your auto insurance rate will be determined by your education level and miles you’re likely to drive during the policy.
According to KSLA News, insurance companies will give cheaper rates to individuals with higher education degrees and higher-paying jobs. Insurance statistics say that people with higher education levels are less likely to file a claim.
The minimum education requirements for repair and maintenance workers are a high school diploma, according to the Bureau of Labor Statistics. You may be able to lower your rates despite your job title if you can show that you have an Associate’s or Bachelor’s Degree.
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Maintenance and Repair Worker Auto Insurance Rates
Car insurance for repair and maintenance workers is more expensive than other professions. Repair and maintenance workers can be inclined to travel more than the average person, and they’ll encounter more risks on the road. Let’s compare auto insurance rates from Geico based on repair and maintenance worker occupations.
|Auto Insurance Policy Term||Average Geico Auto Insurance Rates|
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Repair and maintenance workers could pay a little less than $2,000 per year for Geico auto insurance. However, if they’re expected to drive more during the policy, they could pay more.
Does your annual mileage affect repair and maintenance worker auto insurance?
Car insurance companies could charge you more for insurance rates per year if you drive more than average. Let’s examine the annual commute mileage estimates for full coverage auto insurance from the top companies in the United States.
|Companies||Average Annual Rates for|
10 Miles Commute
6000 Annual Mileage
|Average Annual Rates for|
25 Miles Commute
12000 Annual Mileage
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USAA and Geico are the cheapest companies in the nation when determining auto insurance by annual commute mileage, while Allstate and Liberty Mutual are the most expensive.
Which auto insurance companies offer discounts for maintenance and repair workers?
There aren’t many special discounts for repair and maintenance workers. However, there are plenty of other discounts that can be used to your advantage. The following table contains a list of discounts you should ask about when purchasing a car insurance policy.
|Vehicle Discounts||Driver/Customer Discounts||Personal Discounts|
|Active Disabling Device||Claim Free||Emergency Deployment|
|Adaptive Cruise Control||Continuous Coverage||Family Legacy|
|Adaptive Headlights||Defensive Driver||Family Plan|
|Anti-lock Brakes||Driver's Education||Federal Employee|
|Audible Alarm||Driving Device/App||Further Education|
|Automatic Braking||Early Signing||Good Student|
|Blind Spot Warning||Full Payment||Homeowner|
|Daytime Running Lights||Good Credit||Life Insurance|
|Electronic Stability Control||Multiple Policies||Membership/Group|
|Farm/Ranch Vehicle||Multiple Vehicles||Military|
|Forward Collision Warning||New Customer/New Plan||New Address|
|Garaging/Storing||Occasional Operator||New Graduate|
|Green/Hyrbid Vehicle||Online Shopper||Non-smoker/Non-drinker|
|Lane Departure Warning||On-Time Payments||Occupation|
|Newer Vehicle||Paperless/Auto Billing||Recent Retirees|
|Passive Restraint||Paperless Documents||Stable Residence|
|Utility Vehicle||Roadside Assistance||Student Away|
|Vehicle Recovery||Safe Driver||Student or Alumni|
|VIN Etching||Seat Belt Use||Volunteer|
The discounts with the most significant impact are safe driver, defensive driver, and good credit discounts.
According to the Federal Trade Commission, car insurance companies charge cheaper rates for coverage when the consumer’s credit is good or excellent. Auto insurance statistics report that customers with better credit scores are less likely to get into an accident and file a claim.
Compare maintenance worker auto insurance quotes right now with our free comparison tool. Just enter your ZIP code below to get started.
Frequently Asked Questions: Maintenance and Repair Worker Auto Insurance
#1 – Is commercial auto insurance expensive?
It depends on the company. Commercial auto insurance tends to be about $1,000/vehicle or $1,500 per truck.
#2 – How much is liability insurance for an independent contractor?
Liability insurance for an independent contractor is around $400 to $750 per year.
#3 – Does my general liability policy cover independent contractors?
General liability policies don’t cover independent contractors.
#4 – How much is insurance for a Sprinter van?
The average cost of insurance for a Sprinter van is $227 per month.
#5 – Is auto repair insurance worth the cost?
Yes. Auto repair insurance can save you from spending out-of-pocket costs for expensive repairs.
#6 – Does insurance cover maintenance issues?
No, auto insurance companies don’t cover maintenance issues.
#7 – What kind of insurance does an auto repair shop need?
An auto repair shop will need commercial property insurance, general liability insurance, and an insurance policy for errors and omissions.
#8 – Does full coverage cover car repairs?
Full coverage will only repair cars that have been in a collision or have sustained accidental damage.
#9 – Does AAA offer auto repair insurance?
Yes, although it will cost the customer a $250 deductible.
#10 – Do mechanics have specialized insurance?
Mechanics deal with other types of insurances, such as self-employed mechanic, auto body shop, and auto repair business insurance. The average mechanic insurance costs $57 to 79 per month.