Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 13, 2020

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Key takeaways...

  • Car mechanics might not be entitled to a discount on their auto insurance premiums due to their profession, but there are plenty of other ways to save on the cost of coverage
  • Mechanics might be able to do a significant amount of the repair work on a car damaged in an auto accident, but it is still important to have coverage
  • While you are always allowed to choose your own auto repair shop to repair your car after an accident, an auto insurance company may not necessarily agree that the cost of the repair is reasonable
  • If you have modified your car from its original parts, you may encounter a bit of trouble in getting coverage from a traditional auto insurance company
  • One of the best ways to make sure that your car insurance coverage does not cost too much is to compare the rate with what else is available in the local market

Auto mechanics are in the same boat as everyone else when it comes to being required by the state to get car insurance coverage for the registered car they are driving.

As a mechanic, you might be able to do a significant amount of the repair work on your car after it is damaged in an auto accident, but you are always required to at least have basic auto liability coverage so that you are protected if you hit another car or person on the road.

Getting the required coverage does not have to cost you an arm and a leg as long as you take the time to compare different auto insurance rates online before buying a policy. Enter your zip code above to begin comparing.

Where to Find Affordable Auto Insurance Coverage for a Mechanic

There are plenty of ways that you can sign up for car insurance coverage in your area, but the most convenient and reliable way to get started is to search online for different quotes.

This can help you to streamline the process so that you know what types of rates are reasonable in your location before you go through the process of signing up with a new company.

If you already have auto insurance coverage as a mechanic and come across a cheaper rate online, the process of switching to a new auto insurance provider is not difficult at all.

Most times, all it takes is a phone call to the new auto insurance provider to get started on the process.

You will also need to notify your current auto insurance company that you need to cancel your current coverage so that you do not continue to receive a bill for that premium amount.

The major thing to remember when switching auto insurance providers is that you never want to cancel your current coverage until you are absolutely sure that you are signing up with a new auto insurance company and that the coverage will be starting right away.

As a general rule of thumb, new coverage typically does not kick in until you have paid at least a portion of your premium to the new car insurance company.

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How to Take Advantage of Discounts on Your Car Insurance Premium

It is very rare that car insurance companies offer a discount for your car insurance premium based on your particular profession.

However, there is a long list of other discounts that you may qualify for based on the following:

  • Your driving record
  • How many other drivers are in your household
  • How many other cars are in your household

When it comes to getting as many discounts as you can on your auto insurance premium, the key is to ask about whatever you are unsure of.

The car insurance company can answer all of your questions about discounts that may apply to you and you have not yet been able to get. It could result in immediate savings on your premium without having to change anything else for your coverage.

A very simple discount that is available from most car insurance providers is a break on your premium for having multiple lines of insurance through that same company.

This means that if you switch your home owner’s insurance and auto insurance to the same company, you could be in luck for some serious savings.

In addition, if you have more than one driver in your family living in the same household, they should both probably be covered by the same provider to save some money. Ask your car insurance company directly about the benefits of adding another driver to your policy.

More Ways to Save Money on Your Auto Insurance Premium

Along with searching for as many discounts as possible and comparing various rates, you can save money on your car insurance premium by making sure that you are not paying for coverage that you no longer need.

For example, if you are financing a car and are paying for gap coverage, this additional coverage may no longer be necessary after you have paid off a certain percentage of your car loan. Ask the auto insurance provider about having this coverage removed from your current policy.

You might also be able to remove comprehensive coverage for a vehicle that you plan to sell or trade soon. The older your car gets, the lower the value of the car.

The lowered value means that serious cosmetic damage to the car may not be as serious or worth paying for through comprehensive coverage.

Before you remove this coverage, make sure that it is not a condition of your car loan or lease agreement. You could also try increasing the deductible amount first before completely removing it.

Last Thoughts on Finding Car Insurance Coverage for Mechanics

Even though you may be able to repair your car on your own as a mechanic, this does not excuse you from the state requirement to have car insurance coverage. You may be tempted to only get the basic auto liability policy because it is the cheapest option available.

However, having optional coverages will give you peace of mind in the event that you have to contend with a car repair that involves expensive parts or labor that you are not able to complete on your own.

Even though you may not qualify for a specific discount from the auto insurance company because of your profession, you can still be sure to save money on your auto insurance premium by shopping around for more than one rate before you take on a new policy.

Shop around today using our free comparison tool.