Best Car Insurance for Teachers

From summer projects to pre-algebra, teachers have a lot to cover. So let us cover your insurance.

What's the best insurance for a teacher?


Being a teacher can be difficult — you are underpaid, under-appreciated, and overworked. So, saving money anywhere is a must and that includes saving money on car insurance. We have our own guidelines for car insurance teachers. Beginning first with which company offers a discount and which practices to follow in order to get the best insurance as a teacher. Let’s get started.





Companies that offer discounts to our teachers


There’s a couple of reasons why some insurance companies give discounts or savings options to our teachers. Part of the reason has to do with wanting to give back something to those who teach our youths. The second reason, which isn’t consistent across all companies, is because insurance companies view teachers (and other professions) to be less risky of drivers and thus reward them with a slightly lowered premium.

Like using your credit score or other things about yourself that are not directly tied to your driving record, things like your profession can be indicators of what kind of client you will be to your insurance company.


Here are some companies that offer teacher-specific savings:


You should consider, however, that these discounts aren’t available in every state and the amounts vary by company. Moreover, if your insurance company does offer it, will require proof of your profession. A photocopy of your teacher’s ID is often accepted.




The best ways to save as a teacher?


As we stated, it's not a guarantee every state and insurance company will have a discount for you based on your occupation. Furthermore, you should consider the possibility that a company that does offer the discount is still more expensive than a company that doesn't offer the discount. With that in mind, let's break down some other ways to save on auto insurance.


Multi-Policy Discounts

Chances are, you either own a home or rent an apartment and thus have a renters or homeowners policy. If that's the case, you can save money by grouping your policies together. Here are some anticipated savings.


National Average Annual Insurance by Homeowner Status

Savings w/ Renters Savings w/ Home
$73 $142

If, however, you don't have a renters policy, you should consider that they're relatively inexpensive (most are under $200 a year) and can protect you and your assets in the event of a total loss or you are found legally responsible for damages. For more information on renters insurance, check out our suggestions here.


Keep a clean driving record

It may seem like an obvious and unimportant suggestion, but keeping a clean driving record is imperative for your insurance. You should consider that many of your violations, you will actually be charged for 3 years - meaning charged financially. For example, if you are charged with an at-fault, your premium will raise nearly $500. Which, over that 3 years, is an average of $2,992. Bear in mind, as well, that if you're receiving discounts like "Good Driver," you will lose these discounts as well. Just another reason to drive safely.


Average Increase in Annual Premium in 2016

Accident/Violation 6 Month Premium Increase
None
Speeding 11 - 15 MPH Over Limit $141
Speeding 16 - 20 MPH Over Limit $153
Speeding 21 - 25 MPH Over Limit $165
At-Fault Accident $306
Reckless Driving $499
Racing $523
DUI $529

Change your payment plan

If you're able to pay up front for your insurance, you can save money by doing so! On average, teachers can save $61 a year by paying in full versus in installments. If, however, you are able to pay an entire 6 month premium up front (which isn't an easy feat, we understand), you can also save money by paying directly from your bank account as opposed to a credit card. This method, referred to as a electric funds transfer (EFT) saves the insurance company on transactional fees. The savings, while smaller than a paid-in-full discount, is around $27 per year on average.


Average Rates by Electronic Funds Transfer

Yes No Savings
$1,295 $1,322 $27

Average Rates by Payment Plans

Paid In Full Installments Savings
$1,261 $1,323 $61

Shop Around

The best thing you can do as a teacher, or any insurance client for that matter, is to shop around often for car insurance. Because a “teacher discount” is a somewhat rare commodity, you shouldn’t only consider a company just because they offer it. You might find that, even with your discount, a company that doesn’t offer the discount is cheaper regardless. Because of this, it’s important to consider as many different companies as possible when looking for auto insurance. Only with The Zebra can you search hundreds of different companies - including the ones that offer teacher discounts. Start here.




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