I'm not sure how much difference it makes, but from an old Top Gear episode they reported that Occupation also had quite an impact on the premium. "Journalist" was seen as a high-risk group, so Jeremy got cheaper quotes by saying he was a Doctor. I reality it's perhaps not such a good idea to lie, but perhaps it explains why some of us pay more (or less) than others.
2012 F10 520d M-Sport, Sport Auto, Imperial Blue, Black Dakota, Sun Prot Glass. V-spoke 281 Winter wheel package
Previous BMWs: 2009 E92 320d M-Sport, 2006 E92 335d SE, 2004 E60 530d ASE, 2000 E39 525d SE, 1997 E39 523i SE