Some companies draw distinctions that sometimes seem arbitrary, which is another reason that we think Leaky is helpful.
However, there's almost always a statistical analysis for the decisions that they make and it may have nothing to do with driving record. It might be that one profession stays with the insurer longer or is a more profitable customer by allowing the insurer to insurer multiple-lines for them (house, life, etc.).
Huh. So now all of us "Software Engineers" will start claiming to be "Engineers" on our auto insurance, and then the insurance companies will have to recalculate their rates to raise them on the "Engineer" category.
However, there's almost always a statistical analysis for the decisions that they make and it may have nothing to do with driving record. It might be that one profession stays with the insurer longer or is a more profitable customer by allowing the insurer to insurer multiple-lines for them (house, life, etc.).