Waiters On Wheels

Waiter/Bartender/Host Car Insurance Rates

I bet you didn’t know that among the occupational categories with the lowest car insurance rates, waiter/bartender/host jobs rank well within the top 20. They are 12th in fact, with an annual premium of approximately $1,071.25.

That’s pretty impressive when you consider that these types of jobs are ranked right up there with things like scientists, pilots, and actors/performers. Who would have thought that waiters and bartenders would be considered such good risks for car insurance?

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While waiters, bartenders, and hosts/hostesses aren’t number one on the list, being number 12 is not necessarily a bad thing. When you consider there are a host of other occupations with significantly higher car insurance rates , paying what these workers pay is pretty good.

And being that they tend to be on the lower end of the earning scale, having lower insurance rates is an economic boost to them. When you’re making close to minimum wage, any extra help is good.

This next statement is a generalization, and there are many exceptions to the rule. Nonetheless, waiters, bartenders, and hosts are more likely to drive less expensive cars simply due to the economic realities of their jobs.

There aren’t many in these types of occupations pulling in money in triple digits. In fact, there aren’t many of them even making $50K per year. (Again, there are certainly many bartenders and servers who do rake in the cash in tips; however, the full amount doesn’t always get reported.) Because of this, their less expensive vehicles also cost less to insure.

People employed in these types of jobs also have a higher tendency to drive used cars, or purchase a new car and drive it until its wheels fall off. As these cars get older many people will no longer carry collision and comprehensive , fire and theft, or glass insurance. By carrying only the minimum insurance required by state law, these types of workers can save significantly on their annual premiums.

One of the things that a car insurance company will look at when determining rates is the attitude behind the wheel their customers are most likely to take. For waiters, bartenders, and hosts, it’s generally believed that they have a more carefree attitude than some other occupations. They obviously have good customer service skills or they wouldn’t have the jobs they have.

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