THE CHOSEN ONES OF Auto Club Insurance Premiums!

They probably run it off of your FICO score, which is no more than
your "I love Debt Score", most national companies do this.

Apparently their numbers back up their claim, that people with bad
fico scores have more accidents.

So they assume people with higher income paying jobs would have fewer
accidents, thereby giving them a discount.

My fico score is probably zero, because I have no debt and have never
borrowed money. When the national companies started basing rates off
fico scores, I switched companies. There are still many out there that
dont do this.


Good Day

Is what you're asking about something along the lines of a discount
for employees of specific businesses? For example I work for a health
care facility that is part of the Mayo Clinic health system. We get
discounts all over the place for technically being Mayo employees. If
this is what you mean, maybe this is something your employer can look
into getting for you.

This may not have anything (or little) to do with the statistical rate
of accidents for certain professions.

Discounts are sometimes given to groups simply as a method of
marketing. In order to capture the business of engineer and
scientists, for example, they offer a discount. Pilots, apparently,
are not a market that AAA Insurance feels the need to throw
"marketing" money.

However, I agree that it's discriminatory. Like restaurants that give
discounts to certain members of the population, not everyone that even
wants to be in the discounted class can be. Take your example:
someone might not have the money to go to engineering school. But
they may have gone to work at McDonald's to pay the bills.

Insurance companies have been allowed to discriminate, legally. There
are certain laws that are supposed to prevent discrimination based on
race, but insurance companies (of all sorts) have found ways around
that. Auto insurers have been allowed to discriminate based on sex.
Legally.

I don't use AAA for insurance, but I've found that calling your agent
or (if the company doesn't use agents) the 800 number and saying
"what's the best deal you can work for me?" helps. If not, there are
many insurance companies out there. No need to get your insurance
from the same place as your auto club.

If you're unhappy with AAA, shop your insurance around.
The reality is that different insurers look at different factors when
determining your rate. Unless you've got a bad education, a bad job,
low credit and a bad driving record you're going to find an insurer
willing to offer you a decent rate.
I am an insurance agent in CT and I can name multiple carriers off the
top of my head who consider education/occupation as a rating factor. I
can also name multiple carriers who do not. Further, I can tell you
that there is at least one carrier that gives PILOTs a break on rates.
Your job will be to find them.
AAA is free to give discounts to whomever they desire. You are free to
move you coverage elsewhere.

the Twin Cities by going all the way past Eau Claire.

Hmmm in my experience, a mom driving a minivan is among the worst
drivers on the road. You seem awfully defensive.

I highly doubt you have any "experience with engineers or scientists"
in any way, shape or form.

The reality is, people in the professions you quote have had extensive
training/schooling. That takes some responsibility. Who would you
want to lower premium rates for? Responsible people.
BTW, statistics show that most DOCTORS driving automobiles do not have
plane crashes.

wow, that's ridiculous...I would love to see the explanation for it..