How Does Employment Status Affect Car Insurance? 
Although many auto insurance companies do ask for employment status and possibly basic info , it does not have any impact on your rate . Employment status questions are asked as a way to screen drivers from buying the wrong kind of auto insurance . For example : if you are a delivery driver , companies want to make sure that you understand that there is no coverage on a personal auto policy while making deliveries -LRB- you need commercial auto insurance for that -RRB- . 