Educators spend a great deal of time and money to attend school just so they can develop the skills that they need to educate others. While it’s not always the easiest profession, teaching in all setting can be rewarding when you’re passionate about what you do.
Many say that it’s important to have a work-life balance. You should always find a way to enjoy life when you’re out of work but many facets of life can be affected by the fact that you live your professional life as an educator.
One thing that’s affected by your choice of occupation is your auto insurance. Compare car insurance quotes today to find how much you could save!
Here’s what you need to know about car insurance for educators:
Is auto insurance mandatory where you live?
One of the nice things about pursuing jobs where educators are needed is that you can expedite your application for your certificate to teach. This will get you in the classroom earning a nice wage quickly.
Relocating isn’t for everyone but if you do you may be able to write off your moving expenses since you’re moving for work. Unfortunately, auto insurance expenses can’t be written off. In most cases, wherever you move, auto insurance will be mandatory.
You’ll need to check into the compulsory laws of the state where your car will be registered.
Why does being an educator qualify you for a discount?
It’s not only where you live that matters, it’s also what you do. Insurance companies won’t deny you coverage because of what you do for a living but there’s a possibility that your occupation will help lower your rates.
Not all carriers offer occupational discounts, but as an educator, it can help you to find the ones that do.
Many people believe that their profession has nothing to do with how they drive. That might be true for specific people, but as a group, the statistics show that specific professionals drive more responsibly than others.
Educators fall into a safe risk class along with nurses, police officers, ambulance drivers, and consultants.
Educators often drive to and from one site and that’s the school where they are employed. Since they come before school traffic and leave after all of the traffic has died down, they are not driving in the worst conditions.
These are all factors that contribute to the fact that educators are eligible for discounts.
Can you get discounted insurance through the teacher’s union?
If you’re part of a teachers union or another association affiliated with the National Education Association you may be able to buy discount insurance.
Usually, when you can get insurance for cheap for being part of a union or an association, you’ll be buying a product through an affinity program set up by some of the larger insurers in the industry.
Legally, you must have auto insurance. If you don’t have the insurance that the state says that you need to own a car, you could be fined or even convicted of a misdemeanor. In some states, driving an owned uninsured car is automatically a Class C misdemeanor.
If you don’t take care of the ticket by appearing in court, you could be arrested on site the next time that you’re pulled over.
As you might know, states have very thorough background checks and they conduct these checks when you apply for a license and when you renew it. Getting a minor ticket might not affect your eligibility for your certificate, but getting arrested can.
You may not see yourself as a threat to students, but some states have stricter requirements than others.
How can driving to and from school affect your auto insurance?
Insurance companies want to know a lot about you when you apply for a policy.
Not only will you have to disclose your occupation, you also have to tell the insurer the following:
- where you park your car overnight
- how often you drive
- how many miles you drive
- other details about your driving habits
When you commute to work or school, you’ll be classified as a commuter. The insurer will charge you a rate based on how many miles you drive to the school each way and how many days a week you go to work.
Commuting will bump your rates up and you’ll pay more than you would if you were to drive strictly for pleasure.
Can I somehow get a pleasure rating instead of a commute?
If you’re not driving to and from work or business sites, you’ll be given a pleasure rating. Drivers who drive for personal use only get the best deals.
You can take advantage of this rating by carpooling with other teachers, biking to work, walking, or taking public transportation. Don’t ask for a pleasure rating if you’re going to commute or it could affect future claims that you make.
Educators have a seasonal job. That’s what makes their needs unique. During the summer months, some teachers will take a long summer break and others will seek part-time employment. You need to update the policy to reflect your choice.
If you do take a break, you’ll get a pleasure rating for at least the summer months.
Finding a deal on your auto insurance is possible if you shop around. You can start by taking a look at the rates through affinity programs. Then, you should take the time to get rate quotes online through a bunch of different companies at once.
After you compare the instant quotes to the special teacher quotes, you can see which route is going to qualify you for the best rate on car insurance. Start comparing today by using our free quote tool.