While teaching has its upsides, many educators will admit that income isn’t what motivates them to go to work each day.
As a profession, teachers earn 20 percent less than those with similar experience and often take on extra jobs to make ends meet. Luckily, a variety of companies, including those in the car insurance industry, offer well-deserved discounts for educators.
Teachers are, of course, among those eligible for the numerous discounts and perks insurance companies normally offer, but they are specially qualified for discounts aimed at teachers and their lifestyle. For example, Horace Mann (an insurance agency that provides resources to teachers, including auto insurance ) offers an Educator Advantage package, which includes:
$0 deductible for vandalism and collision claims on school property or during school events
$0 deductible for collision claims with another vehicle insured by Horace Mann Insurance
Up to $1,000 in personal property coverage for teaching materials damaged or stolen from your car (while parked anywhere, including school and school-related events )
Additional discounts that help educators save money include these rate-lowering offers from both national and regional auto insurance companies:
Up to 12 percent savings on annual auto insurance policy premiums from Liberty Mutual
An average of $423 savings per year for National Education Association (NEA) members from California Casualty
Savings of up to 35 percent and a newly certified teacher discount from Meemic
Discounts for members of certain educational organizations from GEICO
A 4 percent discount from Farmers insurance where available
Special quotes for teacher insurance in New Jersey from Plymouth Rock
While the reasons aren’t quite clear, data shows that teachers can pay slightly more for car insurance than others. While $8 a month doesn’t seem like a lot, it adds up. Saving $96 a year by switching car insurance or uncovering a great discount can make a big difference to anyone, especially a cost-conscious educator.
See more: Affordable Car Insurance
While insurance pricing can vary widely based on coverage amounts, we’ve found that on average, Metromile and Farmers offer teachers the biggest auto insurance breaks at $102 and $110 per month, respectively. Remember to include both large insurers and those that are lesser-known when you perform your search to guarantee the most thorough results.
Whether large or small, Insurify only gives auto insurance quotes for reputable companies. Using Insurify is one way that teachers can avoid untrustworthy insurance companies.
Belonging to the National Education Association ( NEA ) or the American Federation of Teachers (AFT) provides plenty of insurance perks. Through its auto and home insurance programs, NEA members save an average of $423 per year in partnership with California Casualty. Partnering with MetLife Auto and Home, AFT also helps provide lower rates.
In addition to the car insurance benefits provided by these bigger organizations, many insurance companies offer affinity discounts to educators who belong to smaller, more tightly focused groups. These include groups like the National Council of Teachers of Mathematics and the American Association of School Administrators.
While getting special discounts is key to lowering your monthly insurance costs, don’t forget about other discounts teachers can apply for as well—some offering as much as 15 percent savings. Ask your insurer about defensive driving discounts, low mileage discounts, and payment discounts (for paying your policy up front).
Bundling a homeowners insurance, life insurance, or renters insurance with your auto insurance policy is another strategy teachers can use to reduce the cost of their monthly car insurance premiums. If you can’t bundle multiple products because your current insurance company only provides auto, it may be time to shop around for another insurance provider.
See more: Auto and Home Insurance Quotes
See more: Auto and Renters Insurance Quotes
Using Insurify, you’ll ace one of today’s biggest tests: finding cheap car insurance online without experiencing the runaround of being redirected to another website without results. Building a driver profile with Insurify is enjoyable, colorful, and quick (like any good learning experience). For your time and attention, Insurify returns actual quotes—on the screen—in minutes.
One of the best things about the Insurify user interface is that it’s built to make your experience as stress-free as possible. If you change your mind about your liability coverage limits or whether you want full coverage, you can edit the amounts quickly without losing your place on the screen. Insurify simply updates the information and shows you a new set of quotes that matches your criteria.
Scour and compare insurance quotes from up to 20 insurance providers in the time it takes you to reheat a cup of coffee. By finding customized quotes, Insurify can save you up to 30 percent on car insurance. Once you zero in on the free quote that’s right for you, you can contact the insurance company directly or you can purchase insurance coverage without leaving the site.
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Licensed property and casualty insurance agent
8+ years editing experience
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