Best Car Insurance for Teachers in the USA 2022

Best Car Insurance for Teachers in the USA

Teachers in both public and private schools frequently work long hours during the week, and many rely on private transportation to get to their students safely each day.

During the 2019-2020 school year, there were over 3.7 million public and private school teachers in the United States, with a large portion of these teachers driving to and from work.

This means they must have the proper auto insurance policy in place to provide solid financial protection.

What they may not realize is that some insurers may provide unique educator-related benefits, allowing teachers to save money on car insurance.

To begin, some insurance companies provide insurance options tailored specifically to educators’ unique policy needs, making it easier, and sometimes cheaper, to obtain the appropriate type of car insurance for teachers.

Related: Top auto insurance companies in the world

Furthermore, there may be special discounts available for teachers, which could help them save even more money on their car insurance policies.


Teacher auto insurance discounts

If you’re a teacher looking for car insurance, consider the following companies, which provide teacher discounts:

  • Geico: Many teacher organizations, such as the National Council of Teachers of English and the Association of American Educators, are on Geico’s list of affiliation groups eligible for insurance discounts.
  • Farmers: A Farmers subsidiary offers an affinity discount to K-12 teachers in Virginia.
  • Horace Mann: Teachers and educators, as well as members of certain education-related associations, can get a discount at Horace Mann.
  • Liberty Mutual: Depending on your state, Liberty Mutual offers discounts on auto insurance to teachers.
  • Meemic: Meemic advertises savings of up to 35% and offers career-specific discounts to teachers, such as a newly-certified-teacher discount that is valid for the first seven years after certification.
  • The Educators Insurance Agency, a subsidiary of The Hanover Insurance Group, provides exclusive discounts to Massachusetts Teachers Association members.
  • Teachers Insurance Plan of New Jersey: A Plymouth Rock subsidiary, Teachers Insurance Plan of New Jersey provides lower car insurance rates to educators in the state.

Keep in mind that discount availability varies by state. Calling the insurer or speaking with a local agent is the best way to confirm availability.

The best car insurance for teachers

In addition to car insurance discounts, some insurers provide coverages tailored specifically to the needs of teachers.

If you are a teacher who is concerned about the safety of your car and other personal property while at school, we recommend the following auto insurance companies:

  • Liberty Mutual Insurance Company
  • California Casualty
  • Teachers Insurance Plan of New Jersey
  • Horace Mann Meemic
  1. Liberty Mutual Insurance Company

Liberty Mutual is a large national insurer that provides auto insurance for teachers. These protections include:

Deductible is waived for a covered collision that occurs while you are driving your car for school purposes, Damage to your vehicle caused by vandalism while on school grounds or at school events is exempt from deductible, Coverage of $2,500 per occurrence for stolen or damaged school property or teaching materials in your vehicle.

  1. Horace Mann

Educators who purchase a car insurance policy from Horace Mann will receive an Educator Advantage package at no additional cost.

This package contains a variety of useful features for educators, including: Coverage for new car replacement, which covers the cost of a replacement vehicle if yours is totaled,

If you believe you cannot safely drive home, you may be eligible for up to $35 in transportation, A deductible waiver for vandalism or a collision on school grounds or at a school event, and Additional emergency roadside assistance, Horace Mann provides liability insurance while transporting students in a car, Up to $1,000 in coverage for any personal property stolen from your car as a teacher,Pet injury coverage of up to $1,000.

  1. Meemic

Meemic provides auto insurance to teachers in Illinois, Michigan, Wisconsin, and Georgia. Meemic offers teachers the following benefits in addition to saving up to 35% on their insurance through discounts:

If your loss occurs on school property, your comprehensive deductible is waived, When driving students to and from school events, you must have liability insurance, Repairs carried out using original equipment manufacturer parts, and Accident forgiveness for Meemic policyholders who have been accident-free for five years.

  1. California Casualty Insurance Company

California Casualty Insurance Agency specializes in insurance products for specific affinity groups, such as teachers, police officers, nurses, firefighters, and paramedics. California Casualty.

Liberty Mutual, provides a number of free benefits to teachers: If vandalism occurs on school property, the comprehensive deductible is waived.

If your car is hit on school grounds, your collision deductible is waived. If another California Casualty policyholder or an uninsured driver hits you, your collision deductible is waived. If you are driving a rental car, your deductible is waived. Identity theft security, The deductible for windshield repairs has been waived.

Up to $2,000 in reimbursement for custom parts replacement. Personal property coverage of $500 for any non-electronic items stolen from your car

There is no deductible for pet injury coverage of up to $1,000. Roadside assistance and towing

Protection for school supplies stolen from your car, Payment plans that allow teachers to avoid making payments during the summer.

California Casualty also offers an Auto and Home Insurance program in collaboration with the California Teachers Association and the National Education Association (NEA).

The benefits for car insurance for NEA members are similar to those described above, while the benefits for home/renters include $3,000 in coverage for personal property used for teaching, with no deductible.

  1. Teachers Insurance Plan of New Jersey

In addition to low rates, Plymouth Rock provides a variety of useful coverages to teachers through the Teachers Insurance Plan of New Jersey.

These are some examples: Complimentary roadside assistance (All other policyholders must obtain this coverage), Comprehensive deductible waived for damage to school property, collision deductible for damage to school property has been waived, Crashbuster appraisal service or door-to-door valet claim service that comes to you.

How to Save Money on Car Insurance as a Teacher

Aside from occupation-specific discounts, there are other ways for teachers to obtain affordable auto insurance. Insurers offer discounts to drivers for a variety of behaviors and features, including:

  • Multipolicy: Purchasing multiple policies from the same insurer can often result in a discount.
  • Drive carefully: Drivers with a clean driving record are frequently eligible for discounts.
  • Excellent student: Teachers who have a child with good grades listed on their policy may qualify for auto insurance discounts.
  • Discount for defensive driving: Take a defensive driving course to get a discount on your insurance.
  • Security features: Insurance companies will lower your premiums if your vehicle has safety features such as air bags or anti-lock brakes.
  • Pay-in-full: Policyholders who pay for their entire annual policy in one lump sum rather than in monthly installments may qualify for a discount.
  • Telematics: Share your driving records with your insurer, and the safer you drive, the larger your discount.

Above all, teachers should compare quotes from different insurers to ensure they are getting the best deals.

Teachers can get cheap car Insurance.

Many insurers consider a driver’s occupation when determining rates. Your education level can also have an impact on your rates, which benefits many teachers with advanced and graduate degrees.

Insurers typically consider drivers with more education and certain jobs to be less risky, so these drivers frequently receive lower rates.

When any teachers are searching for car Insurance quotes, they should keep in mind that not every insurer will ask for your profession.

You may need to speak with an agent to determine whether you are eligible for discounts as a teacher. Except for New Hampshire and Virginia, almost every state has minimum insurance requirements.

Teachers should think about getting full coverage, which includes collision and comprehensive coverage.

In the event of a covered claim, this more comprehensive policy will pay for damages to your vehicle up to your policy limits, whereas liability insurance only covers damage and injury you cause to others.

Conclusion on the car insurance for teachers

Teachers can sometimes get lower auto insurance rates than other drivers. Some insurers consider a driver’s occupation when calculating rates, while others provide specific discounts to teachers.

Some insurers tailor coverages specifically to teachers’ needs, such as waiving deductibles for damage to school property.

According to a review of sample quotes from Geico and Progressive, teachers pay 6% less on average for car insurance than service workers.

Frequently Asked Questions (FAQs)

  1. Do teachers get discounted insurance?

However, all else being equal, car insurance companies believe that teachers, on average, have lower risk profiles than people in many other professions, which is often reflected in lower car insurance quotes for teachers.

  1. Why is car insurance so expensive?

Your age, driving record, credit history, coverage options, what car you drive, and where you live are all common causes of exorbitant insurance rates.

Anything that insurers can associate with a higher likelihood of being in an accident and filing a claim will result in higher car insurance premiums.

  1. Is meemic only for educators?

Retired teachers aren’t the only ones who can join Meemic. You can join if you’ve retired from public, charter, private, or parochial school, university, or teaching hospital.

They are pleased to serve all retired educational employees, including teacher aides.

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