Car insurance for teachers

The United States has 3.2 Million teachers. This means that millions of educators are working every day to improve education for students. Teachers deserve a few perks because of the many responsibilities and long hours they have. Teachers can save money on their car insurance. There are policies available from certain carriers that are tailored to educators, and there are discounts that teachers can avail of to lower their premiums.

Teachers get the best car insurance

Teachers may need special coverage for their auto policy. Additional coverages and limits may be necessary for teachers who have a vehicle on school property. These unique situations can be covered by insurance companies that offer teacher car insurance.

California Casualty

California Casualty offers auto insurance for educators in nearly all states. The educators policy in some states allows for $0 deductible in the event that an administrator or educator’s vehicle is damaged while on school property or at an administrative building.

California Casualty also offers other benefits, such as identity theft restoration, in case you are the victim of fraudulent activity. Your policy coverages automatically cover anyone driving your car as long as you give permission. If you make modifications to your vehicle, the policy covers you up to $2,000 in customized equipment coverage.

Liberty Mutual

Liberty Mutual offers a policy for teachers. The policy provides several coverages that teachers might find useful, such as:

  • Vandalism loss coverage: There is a $0 deductible for vehicles that are vandalized on school property or at school-related events.
  • Personal property coverage: This policy covers up to $2,500 per incident if teaching materials or school property are damaged or stolen in your vehicle.
  • Collision coverage: If you are involved in a collision while driving for school or business purposes, your deductible is $0

Horace Mann

Horace Mann, another carrier that offers policies specifically for educators, is also available. The Educator Benefit(r) offers benefits like reimbursements up to $35 for any injuries or accidents that prevent you from driving home. Teachers can also be reimbursed for the cost to replace your car if it is damaged in an accident.

Horace Mann’s educator’s policy has the same deductible as other carriers. This applies if your vehicle is stolen, vandalized or in an accident while on school property, or at school sponsored activities.

Teachers get discounts on car insurance

You work hard to earn your salary as an educator. You should not pay too much for your auto insurance. Even if your policy is not specifically for teachers, there are many auto insurance discounts available to teachers.

  • Affinity Discount: Certain carriers offer discounts to educators and educational groups. Additional discounts may be available if you are a member of educational organizations like the Association of American Educators and Association of Teachers Educators.
  • Discount for good grades: Not only are your students focused on getting high grades, but many teachers are also pursuing advanced degrees and certifications. If you maintain a certain grade level, you might be eligible for a discount on good grades.
  • Loyalty Discount: Many carriers offer additional savings if you are loyal and renew your policy every year.
  • Bundling Discount: Nearly all insurance companies offer a discount for purchasing both auto and home/renters/condo policies together.

Why would insurance companies offer discounts to teachers?

When you apply for auto insurance, there are many factors that are considered. Occupation is one. Discounts are offered by insurance companies to many professions, including teachers, law enforcement, and military personnel. Insurance companies are often in the business risk. Therefore, teachers may be considered less risky and therefore can receive additional discounts.

Questions frequently asked

Which insurance company is best?

It all depends on your needs and what attributes you value most. To find the best insurance company for you, it is important to take into account factors like customer service ratings, financial strength, coverage options, and discounts.

What is the cost of auto insurance?

Rates are determined by many factors such as your age, gender and credit history. Rates can vary between carriers so getting quotes is the only way to determine your exact rate. Bankrate compared quotes from many carriers and found that the average cost for insurance for minimum coverage in the country is $565 per annum, while full coverage costs $1,674 annually.

What are the best ways to pay the lowest premiums?

It is possible to get cheap car insurance for teachers while still getting adequate coverage. However, it requires that you do some research. It is easy to get quotes from multiple carriers and compare the rates and discounts available for the coverage that you require. You should review all discounts available, as they may be available that you are not aware of but could add substantial savings to your policy.