If you work as a mechanic, you may ask whether or not your occupation affects how much you pay in car insurance rates. According to information collected by the insurance industry, mechanics pay an average of $1,138.33 in car insurance premiums per year.
Regardless of your occupation, checking your car insurance rates is one of the ways to save money on your premiums. Take a minute to type in your ZIP code, and get fast, FREE car insurance quotes today!
Mechanics pay less in car insurance premiums than many other occupations.
Business executives or owners of businesses pay several hundred dollars more (on average) than many mechanics.
Mechanic Occupations and Car Insurance Rates
Automobile mechanics routinely provide maintenance, inspection, and repair to cars and other motorized vehicles. They understand how the use of fuels — including electricity, ethanol, or gasoline — impacts the vehicle’s need for scheduled maintenance. They understand simple and complex issues related to the vehicle and its accessories, including tires.
Some mechanics work on other vehicles including buses, trucks, agricultural equipment, airplanes, boats, and recreational vehicles. Today’s vehicles are complicated machines, and the mechanics necessary to repair and maintain them must have an understanding of computers, electrical and electronics systems, and performance technology. The mechanic must also understand how to use and interpret sophisticated diagnostic systems and tools used to identify mechanical problems.
Today’s mechanic must continuously upgrade his knowledge base.
Some, but not all, mechanics understand repair techniques and technology required to service cars. Formal automotive training benefits mechanics employed in repairing and servicing passenger and commercial vehicles. An auto mechanic is likely to keep his own vehicle in good working order. He is likely to maintain a personal vehicle on schedule to prevent mechanical failures. Even if the mechanic doesn’t personally repair automobiles, he may have a better than average understanding of his vehicle’s engine, belts, brakes, hoses, and plugs. He understands other mechanical systems as well as the different systems in his personal vehicle better than most drivers.
Compensation of Mechanic Occupations
According to statistics provided by the U.S. government, most automotive mechanics work a 40-hour work week, although approximately 24% work more hours each week. Customer demands may require weekends or longer work periods each day. About 764,000 people held mechanic positions in the United States in 2008. The top 10% of automotive mechanics earn about $30 per hour, while the lowest 10% earn less than $10 per hour. The median wage of mechanics in 2008 was between $12 and $22 per hour.
Local or municipal governments pay an average of $20.07 per hour to mechanics; auto dealers pay slightly less, averaging about $19.61 per hour; repair and maintenance businesses pay about $15.26; gas stations pay about $15.22; automotive/tire stores pay less than an average $15.00 per hour.
Small repair shops or dealers may pay a mechanic additional commission wages for performance of services on a time sensitive basis.
Car insurance providers understand that most mechanics earn a modest living. Although some automotive mechanic boutiques earn healthy annual revenues, the average mechanic probably drives an average car. He doesn’t pay the highest annual car insurance premiums, such as litigators or business owners. His job stress is considered lower, too.
Mechanic Occupation Qualifications
Many automotive mechanics receive formal training or attend a special technical or vocational program after graduating from high school. Taking auto repair, computer science, math, and sciences in high school helps to prepare automotive mechanics for a successful, long term career.Vocational or technical programs provide classes in computer science, auto repair, mechanics, and math, and may take about two years of classroom and on-the-job training to complete. Obtaining certifications, such as the ASE (National Institute for Automotive Service Excellence) can help the mechanic to earn more money. ASE is a uniformly recognized credential for auto mechanics and technicians. Master Automobile Technicians must score passing grades on eight exams.
Mechanic careers are projected to increase by approximately 5% between 2008 and 2018, or by about 35,900 jobs. The outlook for mechanic careers is considered stable.
The U.S. government says that most job increases for mechanics will occur in small business repair shops or car dealerships.
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