When it comes to car insurance , most people expect things like age, driving history , or vehicle type to influence their rates. But did you know that your job and lifestyle can also play a major role in how much you pay?

At Riseson Insurance , we help clients throughout Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler understand how insurers assess risk—and how your daily habits and career can make a difference.

Insurance companies often use your occupation to estimate how likely you are to file a claim. For example:

Low-Risk Jobs: Teachers, engineers, scientists, and nurses may get lower rates due to their statistically lower likelihood of risky driving behavior. High-Risk Jobs: Delivery drivers, sales professionals, and rideshare drivers may face higher premiums because they spend more time on the road. Self-Employed or Business Owners: Depending on the nature of your work and whether you use your vehicle for business , your rates can vary widely.

Some companies even offer occupation-based discounts , so letting your agent know your profession could help you save.

Insurers also consider how your vehicle fits into your everyday life:

Commuting Distance: Long daily commutes can raise your rates due to increased exposure to traffic and risk. Work-from-Home Professionals: If you drive less, you may qualify for low-mileage discounts. Family-Oriented Drivers: If you’re using your vehicle primarily for school drop-offs and errands, it’s worth noting—your driving patterns could qualify you for certain savings. Recreational Use: If your car mostly sits in the garage except for weekend trips, you may pay less than someone who drives daily.

Your job and lifestyle are part of who you are—and they should be part of how your insurance is priced. Let’s make sure you’re getting all the discounts and coverage you deserve.

Call Riseson Insurance at 602-460-5470 for a personalized car insurance quote today.

Occupation: What You Do Matters

Lifestyle: How You Use Your Vehicle

Ready for a Personalized Quote?

• Low-Risk Jobs: Teachers, engineers, scientists, and nurses may get lower rates due to their statistically lower likelihood of risky driving behavior.
• High-Risk Jobs: Delivery drivers, sales professionals, and rideshare drivers may face higher premiums because they spend more time on the road.
• Self-Employed or Business Owners: Depending on the nature of your work and whether you use your vehicle for business , your rates can vary widely.

• Commuting Distance: Long daily commutes can raise your rates due to increased exposure to traffic and risk.
• Work-from-Home Professionals: If you drive less, you may qualify for low-mileage discounts.
• Family-Oriented Drivers: If you’re using your vehicle primarily for school drop-offs and errands, it’s worth noting—your driving patterns could qualify you for certain savings.
• Recreational Use: If your car mostly sits in the garage except for weekend trips, you may pay less than someone who drives daily.