Teachers can sometimes snag lower rates for car policy than early drivers. Some insurers factor a driver ‘s occupation into their rates, while others offer specific discounts to teachers. Some insurers tailor coverages specifically to the needs of teachers, such as by waiving deductibles for damage that happens on school place .
Teachers pay 6 % less on average for car insurance than servicing workers, according to our recapitulation of sample distribution quotes from Geico and Progressive .

Auto insurance discounts for teachers

If you ‘re a teacher looking for car policy deals, check out the following companies, which offer discounts for teachers :

  • Geico
  • Farmers
  • Horace Mann: Teachers and educators can get a discount at Horace Mann, as can members of certain education-related associations.
  • Liberty Mutual: Depending on your state, Liberty Mutual offers teachers savings on auto insurance.
  • Meemic: Meemic advertises savings of up to 35% and offers teachers career-specific discounts, such as a newly-certified-teacher discount that applies for the first seven years after certification.
  • Educators Insurance Agency: A subsidiary of The Hanover Insurance Group
  • Teachers Insurance Plan of New Jersey: A subsidiary of Plymouth Rock

Be aware that rebate handiness can vary by country. The best way to confirm handiness is to call the insurance company or talk with a local anesthetic agent.

Cheap auto insurance for teachers

many insurers take a driver ‘s occupation into account when setting rates. Your education level can impact your rates a well, which benefits the many teachers with advanced and graduate degrees .
We looked at rates for Geico and Progressive and found that teachers pay 6 % less for car policy than service workers do. Progressive charged teachers $ 63 less per class than serve workers, while Geico charged $ 114 less .
Insurers normally consider drivers with more education and certain jobs less bad, which means these drivers frequently receive lower rates .
Bear in judgment that not every insurance company will ask for your profession when you search for quotes online. You might have to talk to an agent to clarify if you can receive discounts for being a teacher .

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Best car insurance coverage for teachers

In addition to offering discounts on car policy, some insurers offer coverages specifically tailored to the needs of teachers. If you ‘re a teacher concerned about protecting your car and early personal property while at school, we recommend the follow car policy companies :

Liberty Mutual

Liberty Mutual is a major national insurance company that offers car indemnity coverages for teachers. These coverages include :

  • Waived deductible for a covered collision that occurs while you are driving your car on school business
  • Waived deductible for damage to your vehicle caused by vandalism while on school grounds or at school events
  • Coverage of $2,500 per occurrence, for school property or teaching materials in your vehicle that get stolen or damaged

Teachers can get an indemnity quotation mark from Liberty Mutual either by using its on-line shape or by calling 800-290-6247.

Horace Mann

Educators who purchase a car insurance policy from Horace Mann mechanically receive an Educator Advantage package with no supernumerary monetary value. This software includes a number of helpful features for educators, including :

  • New car replacement coverage
  • Up to $35 in transportation if you feel you can’t safely drive home
  • A waived deductible for vandalism or a collision on school property or at a school event
  • Additional emergency road service coverage
  • Liability coverage while transporting students in a car insured by Horace Mann
  • Up to $1,000 in coverage for any personal property that you use as a teacher that is stolen from your car
  • Up to $1,000 in pet injury coverage

Teachers concern in these coverages can get a car insurance quotation from Horace Mann. Quotes are available on-line or by telephone at 800-999-1030 .

Meemic

Meemic sells car policy to educators in Illinois, Michigan, Wisconsin and Georgia. In summation to getting up to 35 % off their insurance through discounts, teachers can get the come benefits from Meemic :

  • Waived comprehensive deductible if your loss occurs on school property
  • Liability coverage when driving students to and from school events
  • Repairs completed with original equipment manufacturer parts
  • Accident forgiveness for policyholders who have stayed accident-free and held a Meemic policy for five years

To get a car indemnity quotation from Meemic, you can use the company ‘s on-line joyride or contact a local anesthetic agent .

California Casualty

California Casualty specializes in indemnity products for choice affinity groups, such as teachers, police officers, nurses, firefighters or paramedics .
Like Liberty Mutual, California Casualty offers a issue of features to teachers at no extra cost :

  • Waived comprehensive deductible if vandalization occurs on school property
  • Waived collision deductible if your car is hit on school property
  • Waived collision deductible if another California Casualty policyholder or an uninsured driver hits you
  • Waived deductible if you’re driving a rental car
  • Identity theft protection
  • Waived deductible for windshield repairs
  • Up to $2,000 to replace custom parts
  • $500 in personal property coverage for any nonelectronic items taken from your car
  • Up to $1,000 in pet injury coverage, with no deductible
  • Towing and roadside assistance
  • Coverage for school supplies taken from your car
  • Payment plans that allow teachers to skip payments during the summer months

California Casualty besides partners with the California Teachers Association and the National Education Association ( NEA ) to offer an Auto and Home Insurance course of study. The cable car indemnity benefits for NEA members are similar to those described above, while the home/renters benefits include $ 3,000 of coverage for personal property that you use for teach, with no deductible .
To request a quotation from California Casualty, teachers can either use the on-line imprint or call 866-680-5143 .

Teachers Insurance Plan of New Jersey

In addition to offering low rates, Plymouth Rock offers teachers a number of helpful coverages through Teachers Insurance Plan of New Jersey. These include :

  • Free roadside assistance (other policyholders must purchase this coverage)
  • Waived comprehensive deductible for damage that happens on school property
  • Waived collision deductible for damage that happens on school property
  • Door-to-door valet claim service or Crashbuster appraisal service that comes to you

Quotes from Teachers Insurance Plan of New Jersey can be obtained either on-line or via telephone at 855-993-4470 .

How to get cheaper car insurance rates as a teacher

There are other ways for teachers to get low-cost car insurance besides occupation-specific discounts. Insurers reward drivers with discounts for a act of unlike behaviors and features :

  • Multipolicy
  • Safe driving
  • Good student
  • Defensive driving discount
  • Safety features. If your car has features that enhance its safety — like air bags or anti-lock brakes — insurance companies will reduce your premiums.
  • Pay-in-full. Policyholders who buy their entire annual policy up front, rather than opting for monthly installments, can net a discount.
  • Telematics

Above all, teachers should be surely to compare quotes from multiple insurers to be certain they ‘re getting the best rates .

Frequently asked questions

Do teachers get discounts on auto insurance?

Teachers can get discounts on car indemnity, but it depends on the insurance company. many companies factor a driver ‘s profession into their pace calculation, and teachers often benefit from this approach. Some companies besides offer discounts specifically for teachers. The best manner to get low-cost rates is to shop around and ask for a deduction.

Does Horace Mann insurance cover rental cars?

Horace Mann indemnity does cover rental cars. Policyholders can add rental reimbursement coverage to their policy, which will pay for a rental car while their own car receives repairs.

What is the best insurance for teachers?

Certain indemnity companies offer car insurance specifically tailored to the needs of teachers. These companies include Liberty Mutual, Horace Mann, California Casualty, Meemic and Plymouth Rock .
however, different teachers have different coverage needs, and some may find their best rates with companies not included in this article. We recommend comparing rates from multiple insurers to get your best cover .

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