Car Insurance - why does the quote price change depending on occupation?

pinker80

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if i put i'm a student the quote is the cheapest if i put unemployed the quote is the most expensive anything in between is cheaper than the unemployed quote why is this
 
I would presume because certain occupations are stereotyped into bad/good drivers. Or maybe because i will determine how likely you are to pay the insurance reliably each month due to income.
 
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