Are There Car Insurance Discounts for Teachers?

Last Updated on June 19, 2019

Drivers with certain jobs may be entitled to certain insurance discounts. That’s because certain professions are linked with lower accident rates. Your insurance company uses your employment information to assess your risk.

Are there car insurance discounts for teachers? Can teachers expect to pay less for car insurance? Today, we’re explaining how teachers may be able to pay less for car insurance.

Yes, Teachers May Be Eligible for Discounted Auto Insurance

Teachers not only play an integral role in society, but they’re also some of the safest drivers on the road. Teachers are statistically less likely to be involved in a collision than many other professions.teacher discount

As a result, teachers will receive discounted auto insurance rates from some car insurance companies.

However, don’t expect to get big discounts when working with insurers like GEICO, State Farm, Progressive, USAA, and similar big names. Instead, you’ll want to request a quote from insurance companies specializing in auto insurance for teachers.

There are two main options when looking for discounted auto insurance rates for teachers across the United States:

  • Horace Mann Insurance
  • Specialized teachers insurance groups like Calcas (in California) or Meemic (offered in Michigan, Illinois, Wisconsin, and Georgia)

Both of these options are well-known among the education community. Using these options, you can access discounted teachers’ car insurance rates across the country. Like other low-risk auto insurance collectives, these groups are able to offer discounted rates because, generally speaking, their members make fewer claims than car insurance pools made up of the general public.

Big insurance companies like GEICO, State Farm, and Progressive may offer discounted auto insurance rates to teachers as well. It’s a good idea to compare quotes from all small and large insurance companies serving your area.

While requesting a quote from these companies, you will be asked about your employment status. Tell your insurance company that you’re a teacher. They may call your school to confirm your employment status.

Additionally, teachers who are part of the Members of the National Education Agency (MNEA) may also receive discounted auto insurance.

Can Teachers Skip Car Insurance Payments in the Summer?

Most teachers don’t work over the summer months. In that case, you might explore the option of skipping car insurance payments.

You’re not driving to work every day, so why do you need to insure a vehicle? This option makes sense if your household has two or more vehicles.

Fortunately for you, some insurance companies – particularly the companies specializing in car insurance for teachers – will let you skip payments over the summer.

In reality, most insurance companies don’t really let you “skip” payments over the summer months. Instead, they schedule your payment plan around the school year. That means you’ll pay slightly higher monthly insurance premiums from September to June, then skip payments in July and August.

Other Special Car Insurance Options Available for Teachers

Companies like Liberty Mutual offer special car insurance options just for educators. Some of the bonuses available to teachers through Liberty Mutual and other companies include:

Vandalism Loss Protection: Teachers may pay a $0 deductible if your car is vandalized on school property or damaged during school-related events.

Personal Property Coverage: Do you leave school supplies or teaching materials in your car while parked on school-owned property? If your personal property is stolen or damaged while kept inside your vehicle, you may be covered up to $2,500 per incident.

Collision Coverage: If your vehicle is damaged in a collision while you’re driving it on school business, you’ll pay a $0 deductible.

Compare Auto Insurance Quotes to Find the Best Car Insurance for Teachers

Generally speaking, teachers are safer drivers than drivers employed in other professions. Teachers have lower claims rates, which means they’re less costly to insure in the eyes of the insurance company. That’s why teachers can often access lower rates on car insurance. Alternatively, some companies offer unique bonuses to teachers – like the option of paying a $0 deductible when your claim involves school property or school business, for example.

Compare auto insurance quotes for teachers today to find the best prices in your area.

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