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Car Insurance for Clergy

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Key takeaways...
  • Clergy members provide unique services that are widely recognized by insurance companies
  • Clergy members who are classified as employees often qualify for valuable tax benefits
  • Many discounts are available to clergy members who comparison shop for auto insurance coverage

In the course of their duties, many clergy members must drive a significant distance during the course of the year.

As such, it’s important for clergy members to acquire insurance coverage that is not only protective but also offers appropriate savings.

This article will shed some light on insurance policy items that work well for members of the clergy. It will also demonstrate some tried and true methods that comparison shoppers can use to find surprising auto insurance deals online.

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Optional Auto Insurance Coverage Items

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Insurance shoppers can pick and choose when it comes to these insurance coverage options. Clergy members can be well served by certain types of optional coverages.

  • Collision Coverage – This coverage option pays for damages sustained to the vehicle owned by the policyholder.
  • Comprehensive Coverage – This insurance option protects against damage from unforeseen circumstances that can include hail storms, floods, fires, and similar incidents.
  • Towing Coverage – This car insurance policy choice pays for costs associated with vehicle tows. Breakdowns on remote areas of the highway can cost hundreds of dollars In towing fees. By carrying this insurance item, costs of tows are completely covered.
  • Glass Coverage – This option can be ideal for drivers who put on a lot of miles. With more trucks on the road throwing up debris than ever, having glass coverage is becoming more of a necessity all the time.

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Simple Ways to Earn Significant Savings On Auto Insurance

  • Comparison shopping – With thousands of insurance companies vying for attention, there are significant potential deals to be found for those willing to dig. Comparison shopping sites do this digging on behalf of customers.
  • Group discounts – Clergy members are, by definition, members of a recognized group, and thus may be eligible for group discounts. For information on specific options, the declaration pages of specific insurance websites should be consulted.
  • Safe driver discount – In some cases, certain insurance providers even provide rebate checks to motorists who drive certain distances without an accident.
  • Vehicle-based discounts – The car that is driven can itself be a source of insurance policy savings. Cars that include safety items such as side-impact airbags, traction control systems, and safety radar often qualify for discounts.
  • Age-Based DiscountsSenior citizens with good driving records also automatically qualify for certain discounts. Clergy members who are in this age group would do well to apply for savings of this kind.
  • Health-related discounts – Some auto insurance firms offer discounts to those who live healthy lifestyles. Clergy members who are non-smokers and who are in good health for should always remember to check this option out when comparison shopping.
  • Employment status discount – Depending on the church in question, clergy members may be classified as either self-employed or staff members. Individuals who are considered to be staff are often provided eligible for valuable tax refunds.
  • Policy bundling is using the same insurance provider to administer different policies. Since clergy members are likely to have homeowners and life insurance policies, this is a factor to take into careful account.

Critical Car Insurance Coverage Items

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Even though clergy members may be among the safest drivers on the road they still need to carry certain kinds of insurance coverages. These are known as mandatory coverage items and can provide effective protection for the worst kinds of auto accidents.

Included in this requirement are bodily injury liability coverage and property damage liability coverage.

  • Bodily injury liability insurance – The insurance pays medical costs for those injured in a car accident with a policyholder.
  • Property damage liability – This oft-mandated policy item covers damage to non-vehicular property that is caused by the policyholder or their vehicle. While it may be rare for drivers to run into buildings, it can be expensive when they do.
  • Personal injury protection – This coverage is also known as PIP and provides payments for injuries sustained by the passenger and driver of the insured vehicle. Since many clergy members may operate church vans or may frequently travel with multiple passengers, PIP premiums should be provisioned accordingly.

Serving as a minister is an honorable calling that can call for a lot of driving. Compare car insurance options to find the best rate for the coverage you need.

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