Car Insurance for Teachers

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Important facts to know...

  • If you are an educator, be sure to let your insurer know to see if you can save on your auto insurance
  • Many companies will apply discounts to policies depending on what the policyholder does for a living
  • According to statistics, teachers have fewer losses than other professionals and this is why they get occupational discounts
  • If you plan to drive students in your personal car, check with the district to see if you need special insurance
  • Teachers who commute to and from school will be classified as commuters and may pay more than a pleasure driver

Teachers play a huge role in the lives of students. For some children, all it takes is a good teacher and role model to push them in the right direction academically or socially.

Not only do educators teach students curriculum, they teach students valuable lessons in life.

If you’re about to graduate to become a teacher, it will change your life in a myriad of ways. You’ll finally be doing what you love while making money.

Not only will your upcoming earning potential change, so will your insurance premiums. Many are shocked to find out that a change in occupation can change their auto insurance, but it happens quite often.

Don’t forget that you can save money by finding a lower rate for car insurance. Use our free rate tool to compare car insurers side-by-side.

Here’s what you need to know about car insurance for teachers:

How does becoming a teacher affect your car insurance rates?

If you get your teaching credentials and land yourself a job, call your insurance agent right away. The very moment that you’re officially a professional educator is the moment that you might qualify for special occupation-related insurance discounts.

The discounts could knock your rates down without even making changes to your coverage.

There’s a long list of discounts that most insurers offer their policyholders. Not everyone gets a discount, but those who qualify can save 50 percent or more off of their premiums if they stack discounts on top of each other.

In fact, the most effective way to find affordable insurance when you’re living off of the average starting teacher’s salary of $36,141, is to get discounts.

One way to save is to tell your insurer you’re a teacher. You’ll get an occupational discount right away.

Occupational discounts are savings applied to policies because of the named insured’s occupation. Only some professionals will receive a lower rate because of what they do for a living.

Why do insurance companies believe teachers deserve a lower rate?

Statistics are very important to insurers.

Not everyone falls in line with what the statistics say, but insurance companies calculate rates that are suitable for a group of people. The data is reviewed by the actuaries of the companies to determine which professionals are safer drivers than others.

After gathering all of the data on driver occupations and claims histories, actuaries have determined that teachers are statistically more responsible behind the wheel than the average driver.

Teachers are less likely to file a claim than others in the total population of drivers. Less exposure to claims means that teachers pay less for coverage.

How else are my premiums going to be rated?

You might be in a statistically low-risk occupational group, but that doesn’t mean you’ll automatically pay less than everyone else.

There are a lot of other rating factors carriers will look at when they are giving you quotes. Some of the factors change over time and some don’t.

Each personal rating factor that the insurer will take a look at changes your risk class or your exposure to first-party claims.

For example, living in a high-risk zip code will land you a higher rate for physical damage coverage. Here are some of the common factors that can affect your rates for car insurance:

  • Credit rating and insurance score
  • Driving history, convictions, and how long you’ve been licensed
  • Accident history and claims reported on prior policies
  • Age, gender, and experience of other drivers in the home
  • Your garaging zip code
  • Vehicle type and safety features
  • ISO rating of the vehicle you’re driving
  • How often you drive and how many miles you drive each year
  • Why you use your vehicle

How do you find the best rate on car insurance for teachers?

Not all insurers charge the same rates. There are carriers that cater to professionals and give occupational discounts and then there are other carriers that don’t offer discounts to professionals at all.

You have to consider all of your personal factors and how specific insurers look at these factors before you buy coverage.

The only way that you can actually find the lowest rate possible is by shopping around. You need to get personal quotes that use your factors instead of asking friends how much they pay for their own coverage.

When you get multiple quotes and you find insurers with good rates for teachers, you can really size the marketplace up and pinpoint where you should do business.

It’s not usual for an educator to drive their vehicle for business purposes. If you do, you need to check with the district to see how you should insure yourself. Sometimes, the district will have a general policy on all of the educators.

Other times, you’ll be asked to provide proof that you’re insured.

If you drive students around in your car, that could put you at risk.

Your carrier might not pay for claims presented while you’re driving students to an activity. If it is covered, you need to be sure you have some Medical Payments Coverage just in case a student gets hurt in a crash.

What is Medical Payments Coverage and is it required?

Medical Payments Coverage, also called Med Pay, is a form of first-party coverage that you can select for your policy if you live in a tort state. It is not usually required by law but some states do require policyholders to be offered the option to buy it.

If a carrier offers you Med Pay and you don’t want it, you simply put the request in writing.

Before you opt-out of carrying Med Pay, you should be familiar with what it pays for.

It’s one of the unique coverage options that will extend to all of your passengers and also to your household members when they are in a car or when they are a pedestrian.

If you, your household members, or your passengers are injured in an accident, the coverage will pay for the cost of immediate medical expenses.

Should you carry Uninsured Motorist Protection?

When it comes to insurance, the more coverage the better. You never know when someone could rear end you, and worst than that, you can’t control whether or not that person has insurance.

If you live in a state or a city with a high rate of uninsured drivers, it’s best for you to take action and buy protection against these threats that are constantly on the road.

Uninsured Motorist Protection is a lot like liability coverage that protects you. It’s first-party coverage that will pay you and your passengers for the injuries suffered if you’re hit by someone with no insurance.

It also pays if the person has insurance but the coverage limits are too low to pay for all of your treatment. It’s a good idea to add this coverage.

If you want to get deeper discounts off of your insurance, find a company that sells car insurance for teachers. You can do this by using an online quote tool and entering all of your personal information.

Log on now and see how much you’re overpaying for coverage. Just enter your zip code below to get started.

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