Any common person usually takes an insurance cover purposely to safeguard their interest in case an accident occurs. This means that they do it so that they are not caught off guard when something unforeseen happens. No person goes out there deliberately to put his/her life in danger but however, there are some who does so to save lives.
The insurance companies all over usually have different insurance covers and premiums for different people. A lot of things are taken into consideration before they decide on the premium. Some of the considerations are like age, profession and gender.
Some professions do not require the person to be on the road constantly while others do. People use their vehicles just to commute between home and office. There are others who are constantly on the road like for instance the doctors. The insurance needs of such drivers are very different from that of regular people.
Doctors are known to move to different places to respond to emergencies. The chances of being involved in accidents are usually hired the more you are on road. This is even more so for a doctor who is on the road, in a rush to save lives. Sometimes they work for long hours and shifts and therefore the margin of error is also greater.
Actually, they do come under high-risk drivers for the insurance company. Conversely, they are also considered safe drivers as they are trained to drive under a lot of pressure. Auto insurance for doctors can, however, be availed at a discount because many of the insurance companies look at it as a profession that serves the community selflessly. Companies reward them with rates that are lower than for other people.
Associations or groups of doctors also shop around and try to get the best auto insurance for their member doctors. As a group, the likelihood of getting a good deal increases. Some companies give them special rates specially negotiated for the doctors. Numerous discounts are given like accident-free, multi-policy discounts etc. A lock-in rate is also guaranteed for the whole year.