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Auto Insurance Discounts For Teachers

Here's what you need to know...
  • Teachers qualify for car insurance discounts such as having safety features, a clean driving record, and low mileage on their cars
  • Being a homeowner can also decrease a teacher’s car insurance rates
  • Researching several insurance companies is the best way to find a deal on auto insurance rates for teachers

Teachers are a critical part of our society because they have a hand in the next generation.

Unfortunately, the full importance of teachers is not equally reflected in the amount they are pay for auto insurance. Teachers have to give special attention to their budgets, so a discount on car insurance can go a long way.

There are many common car insurance discounts for which a teacher qualify.

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Car Insurance Discounts Teachers Qualify For

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Car insurance companies realize that offering discounts is an excellent way to encourage people to switch companies, as well as a way to keep the policyholders they already have from leave.

Car insurance discounts are often given to people with a newer car because of the following things:

  • Safety features
  • Having a clean driving record
  • How much they drive
  • Having a certain level driving education
  • Being affiliated with certain groups
  • For being a loyal policyholder

Distance

It is very common for teachers to live close to the school where they teach, which means they could qualify for a discount for low mileage.

Drivers that do not drive as far on their daily commute are less likely to be in an accident, so most car insurance companies will offer a low mileage discount.

Education

Having a degree can also save a teacher on car insurance. A teacher could also qualify for a car insurance discount while they are still in school with good grades.

Some car insurance providers offer a special car insurance discount for people with college degrees, and most car insurance providers offer a good student discount to high school and college-age students that have a high grade point average.

Defensive Driving

A teacher could also earn a car insurance discount for continuing their education by attending a defensive driving course. A defensive driving course teaches drivers practical techniques on how to avoid a car accident.

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Safety Features

The type of car the teacher drives can also qualify them for multiple discounts. Usually, the newer the car is, the more advanced the safety features are.

By having more advanced safety features, it is less likely that the policyholder will be seriously injured in the event of a car accident. The insurance companies will pay less for medical payments related to car accidents.

A newer car is more likely to have a more advanced alarm system, which lessens the risk of the car being stolen and thereby reduces the potential financial risk that the insurance company takes by insuring it.

Certain car safety features like airbags, daytime running lights, and anti-lock brake systems all usually qualify the policyholder for a discount.

In addition to safety features, new cars that are environment-friendly often qualify for car insurance discounts. These discounts are commonly referred to as green discounts.

How does owning a home affect a teacher’s car insurance rates?

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Owning a home also qualifies you for an auto insurance discount. Homeowners are considered more responsible and, in turn, safer drivers. Two ways a policyholder qualifies for a car insurance discount by owning a home:

  1. The first is that some insurance companies offer a discount just for owning a home.
  2. The other common way to save by owning a home is by having both a car insurance and a home insurance policy with the same insurance provider.

This type of discount is typically referred to as a multi-policy discount, multi-line discount, or a bundled discount. These discounts can save policyholders as much as 20 percent with most car insurance companies.

How can research save a teacher money on their car insurance?

The most important thing a teacher can do to save money on their car insurance is to research several car insurance companies before deciding on one.

If they choose a company that already has lower rates and then apply for that company’s various discounts, they will save more money than by choosing a company that is more expensive to begin with.

Insurance companies can be easily researched in terms of their financial strength and credit rating by the website for A.M. Best Company.

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