Teacher Car Insurance

teacher car insurance
With more than 3.6 million teachers across the United States, this group of workers is a powerful group of consumers. Although teachers are some of the most prominent members of the workforce due to their great responsibility in teaching the next generation, they are often underpaid and financially strapped. Let’s take a close-up look at teacher car insurance and simple ways to get lower rates.

Teacher Auto Insurance Discounts
More and more insurers are offering automobile insurance discounts to lure new customers away. Many people, however, are not sure if a teacher auto insurance discount even exists or who provides them. The reality is there are such programs available, but not every insurer gives them. Educators looking to save on car insurance need to find a company that targets this market segment. Some national organizations like Horace Mann offer excellent discounted auto insurance for teachers and other popular financial services. Get a free quote today and get your custom teachers rate quote in 4 to 5 minutes.

To qualify for most car insurance discounts for teachers, you will first need to meet certain guidelines. The most common are:

1. Membership in nationally recognized teacher organizations like the NEA.
2. Be a safe driver. After all, if you have a bunch of reckless points on your driving record, being a teacher will not lower your rates.
3. Be a low-risk insurable driver: this means having good credit, having a car that is low cost to insure and so on.

Discounts through Professional Organizations
One of the many perks of being a teacher is that you can qualify for discounts on an array of things through traditional organizations that represent educators. These groups negotiate on the behalf of members and find discounts on everything from vacation deals to great rates on automobile insurance. This is one of the easiest ways to save on insuring your vehicle. Those who work with special needs children can sometimes qualify for extra discounts, as a reward for the demanding service these jobs require.

Have a Safe Driving Record
Teachers, like anyone else, can get an instant rate cut by having a safe driving record. Most people can save 15% or more by demonstrating they are dependable and responsible drivers. If you have recently received a driving citation, make sure you go to traffic school, so the points do not reflect badly on your driving record. Another great tip is for teachers to take a defensive driving classes. Anyone who successfully completes such a class will often qualify for a 5% or more discounted rate.

Be a low-Risk Driver

Insurance companies view everyone who drives through the lens of risk. They use complicated algorithms that calculate everything from your driving experience, credit score, the car you drive, to your profession and then assess the risk you pose. The more you demonstrate that you are a low risk to the insurers, the lower your rates will be. One good thing about teachers car insurance [http://goodtogoinsurance.net] is they often do not use their vehicles on the job, as a pizza delivery person and insurers know this. Most carriers out there consider teachers low-risk drivers and will give a marginal rate break just for being in that profession.

Take Advantage of other Discounts
Teachers are often on a tight budget and are looking for any way to reduce their budget costs. Here are some more ways to get your car insured for less.

1. Bundle your cars with one insurer
Do you have two or more cars in your family? If so, you can save up to 10% just by getting a bundled car insurance policy. Not only will you get cheaper rates but will only deal with one bill each payment cycle.

2. Get a safe car
Carriers will give you discounted deals for automobiles that have special safety features, such as front and side airbags, anti-lock brakes, stability systems and GPS-based security systems installed. Also, garage your car at night if possible and you will get another small price break by doing so.

3. Shop Online for the best Automobile Insurance Deals
Most educators are very internet savvy and good at research. This is an advantage because the good car insurance deals are almost always online. Direct insurers offer deals to web surfers that are often not available through pricey brokerages. Make sure you get at least 7 or 8 online quotes and always go with top-rated insurers.

Get your teacher car insurance quote and save up to $550 in just five quick minutes.