Since teachers are such a vital and often under-appreciated influence on modern life, it seems fair that car insurance for teachers should recognize their hard work and importance with special coverage plans. In fact, educators in general are a low risk demographic for insurance providers, meaning that you are more unlikely than an average person to end up costing them money. Because of this, you can get a substantial discount by finding teacher auto insurance if you play an active role in education—just follow these easy steps.
In order to qualify for teacher insurance, you will need to be able to prove that you are in fact a teacher. Some insurance companies may verify your employment by contacting the school at which you work, while others may require certain credentials. The insurance company which you choose to provide your policy will inform you as to what they need to apply your teacher discount.
A few companies are dedicated to providing different types of insurance specifically to teachers, as opposed to others who simply offer discounts on regular insurance. It’s important to make sure you get quotes from both of these sources—the more, the merrier. Two insurance providers who provide teacher specific insurance are:
Collect instant, free online quotes from both of these sources and keep track of the rates you are offered.
More well known car insurance companies which provide insurance to all sorts of people may offer significant teacher discounts, so it’s worthwhile to give them a try. Some highly regarded auto insurance companies are GEICO, Nationwide and Progressive. You can also look for quotes from providers like Allstate or State Farm, but be sure to research your options before making a choice—some of the “top” providers are not actually very good insurance companies for anyone but their stock holders.
Working from a list of auto insurance providers, see which ones offer teacher car insurance and contact them for quotes with your employment taken into account. Again, be sure you keep track of your offers.
After getting quotes from a number of different sources, adjusted to reflect your status as a teacher, you can choose the best deal for you. Take the rates and premiums into account, as well as the hassle you are likely to experience if you ever need to settle a claim based on customer reviews.
Teachers are a statistically low risk as well as important members of any community, and prices for teacher car insurance should reflect both of these things. By getting multiple quotes for comparison and always making sure your status as a teacher is accounted for, you should be able to find remarkably low rates on auto insurance.