Trust Me, I’m a Doctor


What did you want to be when you grew up? Better yet, who did you see yourself becoming after high school?

Our occupation is a way that we find our place in society and hopefully become fulfilled earning money to support ourselves, doing something we are passionate about. What drives us toward any one profession or field of choice is often a mixture of emotion and the harsh reality of finances.

When we think of luxurious careers, we often think of idols like Beyonce, the Kardashians, or Matt Damon, but it’s not just the entertainers who get all the cool stuff. Everyday perks and savings can be just as deluxe when you get to decrease your monthly expenses. Benefits such as car insurance for healthcare professionals, veterans, and doctors can make any average joe feel like a boss.

Luckily, whether you’re here to get ideas of what career path to take, need a change of pace, or want to know the benefits of some common careers, this advice could help you slay and stay after clocking in.

What to Say When Talking to an Insurance Agent

No one is fond of the people who constantly boast about what they do and who they know. In fact, the majority of us try our hardest to not be that person. However, when it comes to applying for insurance, leave the humble pie at home.

Why What You Do Matters

No matter what your occupation is every day you drive, go to work, and even just wake up, your life is at risk. Both life and car insurance companies set their monthly premium based on a probability of risk factor scale. Different types of insurance vary, but in general, when applying for any kind of insurance, your potential provider will use your age, sex, occupation, credit score, and other forms of past records to put a figure on how much coverage you’re likely to need.

The cool thing about this is that for some of us, just doing what we do gets us insurance perks or discounts. Getting perks and discounts is always sweeter when you don’t have to go out of your normal ways to improve your life.

When it comes to car insurance it literally saves to flex. If you’re in a respected career field let your insurance provider know and ask if there are any deals or discounts you qualify for. Now although we all covet high titles you don’t need one to qualify for occupational discounts. A few of the occupations that tend to get cheaper car insurance are:

  • Veterans
  • Accountants
  • Clerical assistants
  • Doctors
  • Dentists
  • Firefighters
  • Local government officers
  • Engineers
  • Medical secretary
  • Secretaries
  • Scientists
  • Teachers and professors
  • Book-keepers
  • Lawyers
  • Legal secretaries
  • Office secretaries

The code to this isn’t any more complicated than judging the kind of person who can hold those positions. Before deeming this system as too biased, remember that occupation is only one variable in what makes your premium.

What Makes You Pay More for Insurance

If you are a doctor, architect, dentist, scientist, or anything alike, you’re probably wondering what’s keeping you from reaping the benefits on each month’s insurance statements.

Other factors like what kind of car you drive, how far you travel for work, your credit score, driving history, and even your hobbies could easily outweigh this initial occupation perk so even if you fall over any of these professions you must take all factors into consideration when searching for the best rate.

When you’ve worked hard to obtain a high-figure salary, you should be able to buy the nice things that make you happy, but beware of going too extravagant. The main factor that increases the likelihood of doctors and other high-income earners paying higher insurance rates is the kinds of cars, luxury items, and hobbies they choose.

Scratching an adrenaline itch can be fun, but if you’re the daredevil type who isn’t fearing for your life, then maybe rising insurance rates will raise your eyebrow. Here are a few hobbies that will almost definitely increase your care, health, and life insurance rates:

  • Rock climbing
  • Boat racing
  • Skydiving
  • Scuba diving
  • Skiing
  • Boxing
  • Surfing
  • Fishing
  • Hunting

So if you’re looking to stay conservative with your spending, consider checking with your insurance agent before buying a new car or picking up a new dangerous hobby.

This doesn’t mean that you lie or omit hobbies from your insurance providers, but being aware that engaging in these hobbies makes you a high risk will help you find the best deal when searching or renewing your insurance.

Make More, Spend More

Being a healthcare professional is already an intense and emotionally heavy career without the struggles of a pandemic cherried on top. For all of your hard work, you deserve just a few more savings, right? Well, whether the initiative has come before or after the COVID pandemic, here is a list of companies that give you discounts for being in the healthcare field:


  • Adidas
  • Crocs
  • Nike
  • Puma
  • Reebok


  • Levi’s
  • Lululemon
  • The North Face
  • Under Armour
  • Scrubs & Beyond


  • AAA
  • Caesars Hotel chain
  • Enterprise
  • Yeti
  • IHOP
  • KIND
  • Sonos
  • Verizon
  • Samsung

These are just a few of the major brands that give a percentage discount to doctors, dentists, and healthcare professionals.

The Diagnosis

It pays to be boisterous. If you’ve earned the title of a respected position and help others for a living, you should take advantage of any and all benefits at every opportunity. With companies looking to say “thank you” in unprecedented times, just speaking up to ask if you qualify for discounts or benefits goes a long way in both saving money and networking.

So, knowing that the non-Beyonces and non-Matt Damons of the world do get star treatment in everyday situations, has your mind changed on what you want to be now that you’re grown up? Even though saving some extra bucks or getting a discount on your favorite shoe brand isn’t a private jet, it does pay off to do what you love and help those in need.

Danielle Beck-Hunter writes and researches for Danielle is a content consultant with a B.A. in English and creative writing. Being a freelancer, she is no stranger to networking and finding what discounts are available to her. Everyone can benefit from living more frugal, and she hopes this article helps our heroes in scrubs.

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