Auto Insurance for Teachers (2024)

Several different companies offer discounts on auto insurance for teachers and educators. Still, there’s a chance you could also save more money through other ways. Before making your final decision on an auto insurance company, it’s best to explore all the discounts for which you qualify, which we’ll explain here.

How To Get Discount Car Insurance For Teachers

Certain conditions apply to qualify for a teacher or educator discount:

• You’re a teacher.
• You’re a staff member at a school or learning facility.
• You’re the child of a teacher and meet other age-based and living address criteria.

Additionally, you’ll be expected to provide documentation regardless of what insurance company you decide to do business with. Acceptable forms of ID include your school ID, security badge, or a letter from the school proving employment.

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Cheapest Auto Insurance Companies for Teachers

Many insurance companies claim to be teacher-friendly when it comes to obtaining a discount on car insurance. Country Financial, Farmers, Geico, Liberty Mutual, Mercury, Alfa, Horace Mann, Meemic, Plymouth Rock Assurance, and The Hanover all provide auto insurance discounts to teachers. 

When it comes to finding the best car insurance company for teachers, consider your bottom line (will you save money overall?), their customer service (are they a pain to deal with?), and reliability during the claims process (how quickly did you receive your settlement?).

Perhaps it’s not surprising to realize larger national companies leading the list, as greater reach provides better leverage for an insurance company throughout a wide range of demographics and ZIP codes.

However, some insurance companies only do business with educators and teachers. Since their creation in 1945, Horace Mann has been an educator-only insurance company. It offers specific benefits like transporting students or pets, reduced rates for vandalism on school property, and multi-discount stacking.

Teachers Insurance Co., a division of Horace Mann, is specifically suited to helping teachers get the best insurance deal. They also offer the ability to bundle with life, health, and other insurance policies.

Which insurance companies have teacher or occupation-based discounts?

There is no single company offering the best car insurance for teachers, as rates will vary based on a person’s individual circumstances. There are, however, many companies that offer teacher and occupation discounts.

State Farm, USAA, Farmers, and Progressive do not specifically give teachers a discount. This may be for several reasons. For example, their national success as an insurance company has allowed them to price competitively and more effectively across all policies without this type of offer.

Other Auto Insurance Discounts For Teachers

As a teacher, you already know the value of research. Therefore it’s important to look for other auto insurance discounts when choosing a policy. For instance, drivers receive discounts from insurers for various actions and characteristics. 

Here is a list of several other discounts for which you may qualify and save even more:

• Multi-policy. You can receive a discount if you purchase multiple policies from the same insurer. Bundling policies with a single insurance company allows it to customize your specific needs and leverage your risk profile to save you money.
• Safe driver. Motorists with a spotless record frequently receive discounts or cash back for safe driving.
• Good student. Discounts on auto insurance are available for teachers who have a student with good grades listed on their policy. 
• Discount for defensive driving. Gain a premium discount by taking a defensive driving course. 
• Safety or anti-theft devices. Insurance companies will lower your rates if your vehicle has anti-theft or safety-enhancing features like an alarm, air bags, or anti-lock brakes. 
• Pay-in-full. Instead of choosing monthly payments, policyholders who purchase their entire annual policy upfront may qualify for a discount. 
• Telematics monitoring. Share your driving information with your insurance provider. The safer you drive, the greater your discount. 

In addition to industry-specific discounts, there are other ways for teachers to obtain inexpensive auto insurance. Scroll through the section below for helpful tips on how to find cheap car insurance for teachers.

How to Get Cheap Auto Insurance for Teachers

You don’t need an occupation-based discount to get cheap car insurance for teachers. Finding the best rates comes down to choosing the right coverage and comparing quotes from multiple companies to find the best one.

Choose the Best Coverage

Only pay for what you need and weigh the benefits of lowering or raising your deductible when appropriate. A low deductible means you’ll be paying more per month. If you think you’ll run a very low risk of an accident or other vehicle damage, you might save money by raising your deductible.

Think About Your Claims

Sometimes it’s best just to pay for minor repairs out of pocket, especially if the long-term financial picture warrants it. Relying on your comprehensive coverage seems fair at first, but insurance companies are still likely to raise your rates during the renewal period by 5%-8% even when you’re not at fault.

If your total repair costs are less than your deductible, then you might consider taking care of the repairs yourself. You could end up paying more unnecessarily over the coming years, assuming that your annual rates went up by an average of 10% after a claim.

Shop Around for the Best Rates

When underwriting your insurance policy, many factors are considered, and not all companies are equally adept at pulling off the invariable win-win. Because you can find vastly different coverage rates from company to company, you really will have to shop around to get the best deal. 

Also, because purchasing a car is an integral part of the entire process, it’s great to look for dealerships and car makers that honor teachers and educators with a discount, as this will equally affect your overall savings.

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The Bottom Line on Auto Insurance Discounts for Teachers

Car insurance is required by law. Outside of the legally required minimums, however, the amount of coverage and the size of your deductible will play most heavily in how much you pay for car insurance. 

As a teacher or educator, you may qualify for an auto insurance discount with some companies. Your children may qualify for discounts themselves regardless of age, so long as they are under your policy and live at your address. However, once they leave, they may no longer qualify, and you can save more money by removing them from your policy.

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