The top rated car insurance companies in Ontario (including Oakville) are not allowed to access the credit history of their customers, nor are they allowed to set their rates based on income. So technically, employment status does not affect car insurance premiums; all that matters to insurance companies is that policyholders pay their premiums on time. However, if you are unemployed, your Dedicated Insurance Assistant may be able to assist you in lowering your premium by offering you some cost-saving tips, such as putting fewer kilometres on your car, installing winter tires, bundling your different insurance policies or switching to a new online auto insurance company.