Is there such thing as cheap auto insurance for teachers?

With the recent economic hardships, a lot of people are looking for ways to save money on regular expenses, such as bills and premiums.

Teachers are not left behind, and they too can save money by buying teacher-specific auto insurance.

The debate on cheap auto insurance for teachers continues to confuse many, as some say cheap auto insurance for teachers does exist while others argue that it doesn’t. But what is the truth?

Does cheap auto insurance for teachers exist?

The truth is that it does. But you would have to know where to look as not every auto insurance company provides such policies.

The best way to find cheap car insurance if you are a teacher is by comparing quotes.

A quotes comparison website will help you find the cheapest offer from providers within your locality.

Reasons Why Auto Insurance Rates for Teachers Are Lower

There are a number of reasons why car insurance providers give much lower rates to teachers. It should, however, be noted that not all car insurance providers will give cheap rates to teachers on the basis of their profession alone.

This is why it is important for the customer to comparison-shop before choosing a provider.

Nevertheless, some factors make teachers qualifying candidates for cheap auto insurance rates. They include:

• Membership/affiliation with certain organizations
• Low risk of road accidents
• Proven good driving record for the larger teacher population

Affiliation with Professional Bodies

Once someone qualifies as a teacher, they may join a number of professional bodies for educators. Teachers may receive discounts on the basis of these affiliations.

This is one of the ways through which teachers can enjoy cheap auto insurance rates.

Teachers who specialize in special children and care may also be eligible for further discounts. Be sure to inquire with the provider before signing up for the policy, if you are a special needs teacher.

Low Accident Risk

The routine of the teacher is fairly predictable and less demanding as far as teaching is concerned. This is especially so for teachers who are stationed in a given school.

They do not have to drive around all day as some professions demand, and usually only use the car to drive to and from school; of course with an exception of holidays and weekends when they may attend to private matters.

However, the rules may be different for teachers doing homeschooling, again depending on the car insurance company.

Homeschool teachers may have numerous students in different homes to attend to each day, which may require them to drive across town every few hours. This raises their risk level and may prompt the car insurance provider to give them higher rates.

However, some providers treat all teachers equally and this is not a problem.

It is advisable to compare the rates for both conventional school teachers and home school teachers to see if there is a difference.

Another factor that contributes to low risk among teachers is the non-emergency nature of their work.

They are not expected to be rushing down the highway or battling with high traffic in town in a bid to get to an emergency scene on time. The predictability of their working hours eliminates the risk of emergency driving.

Good Driving Record

Statistics show that teachers have better driving habits than most other professionals. This fact is supported by records showing that teachers have fewer accidents and file far fewer claims.

This automatically qualifies them for low auto insurance rates. If the individual driving experience of the applicant is spotless, their chances of receiving even cheaper insurance rates are increased further.

To a large extent, teachers are role models for the students in their care. This alone means they have to be watchful and conscious of how they drive at all times.

Thus, it is near impossible to find a teacher booked for driving under the influence (DUI), over speeding or otherwise misbehaving on the road.

How to Further Lower the Car Insurance Rates One Receives as a Teacher

As much as comparing quotes will help you find the lowest rates on offer, you can increase your chances of receiving even lower rates by observing the following:

• Clean Driving Record – The longer you drive without getting a ticket or filing a claim, the lower your rates become. This is a guaranteed way of saving money on car insurance.
• Defensive Driving – Enrolling for advanced driving classes and passing a recognized test is another great way to earn lower car insurance rates. Teachers who have to work late in the evening or at night should particularly enroll for this. The same applies to teachers whose homes are far from the school, and who travel back and forth regularly, often at odd hours.
• High Deductibles – The higher the deductible you choose, the lower your insurance premiums become. Remember by paying the deductible, you are giving the insurer money, which can loosely be seen as ‘security’. The more it is therefore, the better for you.
• Type of Car – Choose a car with a high safety rating. Such cars have a lower chance of getting into an accident and are therefore cheaper to insure.
• Multiple Policies – When you buy more than one policy from the same insurance company, you are eligible for a multi-policy discount.

Compare Quotes

When you’ve observed all the above, compare quotes from different insurers at a comparison website, to find out who has the best deal. Use our free auto insurance comparison tool!

Just enter your ZIP code and get a FREE car insurance quote comparison.

Remember to compare all aspects of the cover, including percentage of discount(s), premium amount, deductible options, payment methods and bonus services availed.