Are there lines of duty that will make it a lot easier for you to get cheap California auto insurance? Yes, all professions are not equal — At least from the auto insurance viewpoint. Scientists are the cheapest to insure while business owners get the highest rates. Statistics, for instance, reveal that scientists (due to their discipline and culture) are better risks than every other profession. If you want to find out why this is so, where your occupation falls into and what to do, discuss with your agent (You can also do some research online on your own). Just note that each insurer might have a slightly different position.