A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 18, 2021

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Important facts to know...

  • Entertainers tend to drive in congested areas where there is huge exposure to potential loss
  • Whenever you’re exposed to more losses, you’ll pay higher rates than the average driver
  • Entertainers fall into a high-risk occupation class because drivers in their demographic get into more accidents
  • If you’re an entertainer and you rarely drive your car, be sure to ask for a pleasure and low-mileage rating
  • Entertainers who drive luxury cars or sports cars will pay more for insurance based on their vehicle type

Entertainers live a unique life. Their job is literally to get noticed and keep their audience entertained.

No matter what your audience is, entertainers are all about being in the limelight while they may sure that people are getting their money’s worth. Some entertainers make a small fortune at every venue they perform at and others have to work hard for very little.

No matter what your status is, it’s crucial that you work hard to pay your bills on time even if you make an inconsistent salary. One bill you can’t forget to add into your budget is for your car insurance.

Not only do you need to put aside enough money to pay your premiums, you also need to know how to find affordable car insurance for entertainers.

Enter your zip code into our free rate comparison tool above to find the coverage you need at the best price.

Your Cost of Insurance is Affected by Your Choice of Occupation

Being an entertainer can affect a lot of aspects of your life. It’s difficult to balance relationships and live a normal day-to-day life because of the odd hours that you work.

Not only do you have to worry about your schedule, you have to recognize that your choice of occupation will help dictate your insurance rate.

A lot of different personal factors will be used to help an insurance company assess your risk.

Most people know that their driving record will affect their rates but they don’t know that their career has its impact, too.

Since professionals in different fields tend to have different driving habits, your choice to be an entertainer will directly affect your cost of insurance.

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Entertainers Are At-Risk Behind the Wheel

You might assume that you’d be the same driver you are now if you were to change careers and become an insurance agent, but that’s not always true.

To some, the idea that professionals in certain fields are more at-risk than professionals in other fields seems irrational. Statistics show that it’s a very relevant factor.

Entertainers pay more for a lot of types of insurance including:

  • life insurance
  • disability insurance
  • auto insurance

The higher rate is primarily because of the type of environments they work in. Because there is so much chaos and unpredictability involved in their profession, it’s no surprise that entertainers are at-risk of having many different types of accidents.

Living in the City Can Affect Your Rates Even More

While it’s not a requirement, a majority of entertainers will live in or near the city where they’ll have the most shows and the most auditions.

Not only is there an occupation classification used by your insurance company, there’s also a location classification that’s called your garaging address.

Your garaging addressed is used for a number of reasons. The insurer needs to know where your car will be on a regular basis to assure that you’re not a transient risk.

In addition, the carrier will run reports from the zip code where you’re living to see if there’s a high accident rate there.

Since entertainers are near metropolitan areas, there tend to be high accident rates in the zip codes they use as their garaging addresses. Not only is the car accident rate high in congested city regions, the property crime rate tends to be high there also.

Entertainers in upscale areas with smaller populations might live in advantageous zip codes.

Consider How You’re Using Your Vehicle

Do you keep your car parked in a monthly parking area most of the time or are you constantly driving from city to city looking for a new role? How you’re driving your vehicle is going to either benefit you or work against you. It’s often called vehicle usage in the insurance world.

If you’re going to and from your auditions or your venues in your vehicle, you’ll be classified as a commuter or a business user.

Commuters pay a moderate rate and business drivers who go to multiple sites each week pay the highest rate. To avoid the high-cost classification, consider taking public transportation for a pleasure rating.

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Mileage Translates Into Money

Do you drive a lot during your free time? How much you drive in your personal vehicle will definitely be considered when calculating your rates. If you put a lot of miles on your car throughout the year, it’ll translate into a higher car insurance expense.

It all depends on the mileage bracket you fall into. Here are the common mileage brackets used:

  • Low-mileage bracket – 1 to 5000 miles per year
  • Moderate bracket – 5001 to 12,000 miles
  • High-mileage bracket – 12,001 and up

Look for Additional Discounts

Your profession can directly and indirectly impact your rates when you’re working in entertainment but that doesn’t mean you can’t save money elsewhere.

Most insurers have a long list of different discount options that are available to anyone who works in any field. Here are some of the most common discount offerings:

  • Multi-car discount – insuring more than one car from your household with the same carrier
  • Multi-line discount – buying other property, health or life insurance with the same carrier
  • Good Student Discount – drivers under 25 will get a discount for earning good grades
  • Driver Training or Mature Driver – younger drivers and senior drivers can get credits for completing optional driver training
  • Loyalty – credits for staying with the same company for years
  • Credit-based – discounts given to people with excellent credit insurance score

If you’re looking for standard insurance or specialty coverage for a luxury car, be sure to shop around. Use the Internet and you’ll be able to find the best deals. By comparison shopping online using our free rate tool, you’ll have all the tools that you need to get a good deal.