Best Car Insurance for Teachers
Teachers provide such a wonderful and important benefit for many people — and they should enjoy a few benefits in return! Many auto insurance companies offer cheaper auto insurance just for being an educator or someone who supports educators. In fact, some car insurance policies offer teacher-related benefits specifically tailored to their needs.
Auto Insurance Discounts for Teachers
Teachers are among those eligible for the numerous discounts and perks insurance companies normally offer, but they are also qualified for discounts aimed at teachers and their lifestyles. Teachers interested in car insurance discounts may want to take a look at the following companies for special rates:
Farmers: Farmers offers up to 4% off in car insurance discounts for teachers and members of certain organizations; discounts vary by state.
Horace Mann: Horace Mann Insurance is founded by educators for educators and offers multiple services and programs for teachers. Members can enjoy discounts, education-related savings and teacher resources (such as their Teacher's Lounge).
Liberty Mutual: Liberty Mutual offers special car insurance benefits for educators, which can vary by state. Members can see up to 12% savings on yearly car insurance rates and a waived deductible if their car is damaged while on school property or while driving for school business. You can also get coverage up to $2,500 if school materials are stolen or damaged from your car.
Meemic: Meemic car and home insurance are exclusively for anyone employed or retired as a teacher or member of the school staff. They offer car insurance discounts for teachers and staff living in Georgia, Illinois, Michigan and Wisconsin. Teacher-related discounts include an extra discount for the first seven years after a new-teacher certificate and more.
Alfa: Alfa offers specially discounted auto insurance for full-time teachers and professors living in Alabama and Mississippi.
Plymouth Rock Assurance: Available only to New Jersey teachers or retired educators and staff, members can enjoy reduced car rates.
Educators Insurance Agency: Educators Insurance Agency provides reduced rates to members of the Massachusetts Teachers Association.
California Casualty: Teachers can qualify for car and home insurance created specifically for them. For example, they can skip payments in the summer and get coverage for lost school supplies.
Cheapest Insurance Providers for Teachers
We've summarized popular car insurance providers with a list of 6-month auto rates for teachers.
Best Car Insurance Coverage for Teachers
Some insurance providers offer special coverage and discounts for educators, including:
Teachers Insurance Plan of New Jersey
Educators and school staff can qualify for their Educator Advantage package at no added cost, plus they can qualify for a discounted car insurance rate. Teachers can enjoy special benefits like reduced or waived deductibles if their property is vandalized or stolen while on school property or during school events. Other benefits include:
$35 in transport fees to get you home safely
New car replacement coverage
$0 deductible for collision or vandalism on school property or during a school event
Emergency roadside assistance
Liability coverage when transporting students
$1,000 in coverage for any personal items stolen from your car
$1,000 in pet injury coverage
California Casualty customizes its auto insurance for teachers to make their lives easier — inside the classroom and out. You can also group different types of insurance policies like home, condo, renters, motorcycle insurance and more.
$0 deductible if your vehicle is hit or vandalized while on school property
Free identity theft resolution
Broad Policy Protection to anyone who borrows your car
Waived rental car deductible
$0 deductible for windshield repairs
$500 personal property coverage
Pet injury coverage
Towing and Roadside Assistance
Up to $2,000 to replace custom parts
Meemic offers insurance to teachers in Michigan, Illinois, Georgia and Wisconsin. Educators can get the following benefits from Meemic:
Special teacher rate: discounts vary by state
35% off insurance
$0 deductible for vandalism that occurred on school property or at school events
Collision coverage when driving students for school-related activities
Accident forgiveness if you have been accident-free with an active policy for five years
Liberty Mutual is the sixth-largest property and personal liability insurer that also offers insurance coverage for teachers, which includes:
$0 deductible for any covered collision that happened while driving on school business
$0 deductible for Vandalism Loss Protection: any vandalism that happened on school property or during school events
Teacher's Auto Insurance options are available for teachers at no cost in certain states
Personal Property Coverage: $2,500 coverage per occurrence for any teaching materials or school-owned items that are stolen or damaged from your vehicle
Teachers Insurance Plan of New Jersey
Teachers Insurance Plan of New Jersey offers cheap premiums and the following benefits:
$0 deductible for damage to your car on school property
Free roadside assistance
$0 deductible for collisions that happen on school property
Door-to-door appraisal services
Tips for Cheaper Car Insurance for Teachers
Being an educator is a special and important job, and many insurance providers are ready to recognize that with cheaper car insurance rates to help you save money. Here are a few tips for getting the most cost-effective insurance policy:
Let Your Insurance Agent Know
Insurance companies love being there for educators and educational administrators, so it's a good idea to mention it when shopping around for insurance rates. If you already have a policy, give your provider a call and ask if they offer special teacher discounts or cheaper rates than you're already paying.
Check Your Union
Unions represent different groups of workers to ensure great benefits and pay. Some offer special coverage to Association of Teacher Educators members. California Casualty works closely with National Education Association members. If you're part of a teacher's union, it's not a bad idea to check with them first to see where you can find cheaper insurance.
Bundle Your Insurance Policies
Many insurance companies also offer renters or homeowners insurance, and teachers can stack benefits and discounts by bundling their insurance policies. This is a great way for most people to save on their monthly premiums, whether they teach or not. It's always a great idea to get more than one policy from the same insurer!
Be a Safe Driver
Some insurance carriers offer Accident Forgiveness if you have not had an accident in five years with the same company. Maintaining a clean record is a good way to score cheap rates and discounts.
Defensive Driving Classes
Many teachers can earn additional discounts by taking a defensive driving class.
Shop Around for Car Insurance
The best way to ensure that you have the best auto insurance rates possible is to compare quotes from other carriers. However, it does take a little leg work and effort to do the appropriate research.
Shop Around for the Best Car Insurance for Teachers
Many insurance companies offer special discounts for teachers and school support staff. Shopping around with educator-friendly carriers can help you save money. Just like grading papers, hunting around for the perfect rate can be time-consuming. SmartFinancial can help you quickly find the best car insurance rates in your area. Simply enter your zip code below and answer a few questions to get the cheapest quotes in your area for free.