Steers Insurance Blog

Preferred rates explained: are you eligible?

Written by Steers Blogging Team | Feb 26, 2026 6:23:39 PM

 

Your job could unlock special coverage perks.

Insurance may not be the most exciting thing in your day. But it can actually put some cash back in your pocket.

If you work in one of these industries, your job might just unlock some sweet perks on your home and auto insurance:

  • Healthcare
  • Engineers
  • Steelworkers
  • Air Navigation Workers (pilots, ATC, maintenance)

So, what’s in it for you? Glad you asked. You could score:

 

Discounts: Insurers can offer lower rates when they’re covering a bigger group of people with similar work and shared risks. (varies by location and provider)

Better coverage: You get coverage designed for your day-to-day. For example, tools coverage for trades and higher liability limits for business owners.

Stable premiums: These special rates don’t do wild rollercoaster jumps every year. The price swings are less dramatic.

Fewer hoops: Insurers already know the risks involved in your profession, so underwriting and claims are relatively easier.

Vetted programs: These deals are often vetted by unions or associations, so you can rest assured that your coverage is solid.

Bonus tip, incoming!

Bundle your Home, Auto, or any other policy to enjoy extra savings and special features.

Curious if you qualify? A local Steers broker can do a quick check to see if special rates are available based on your industry or employer. Guess your job just got a little sweeter!

Oh, and don’t stop here. Check out more smart ways to save on insurance.