Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Key takeaways...

  • Educators who have got perfect credit ratings qualify for the highest discount
  • Drivers older than 25 years of age also qualify for discounts
  • Educators that have already retired from the military qualify to receive the discount for their car insurance

Educators often qualify for car insurance premium discounts. A large percentage of insurance firms reward educators with rather low rates of premiums since they are known to maintain good driving habits.

Each year, the insurance firms carry out research on the driver’s risk levels. These drivers are drawn from different kinds of professions.

These studies consistently prove that the educators are lower risk drivers as compared to those in other aggressive professions. The educators usually drive within the desired speed limits and maintain the right attitude while on the roads.

Educators have good driving habits, which can be attributed to the leadership roles that their play in their jobs.

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Table of Contents

How much discount do educators get?

The amount of car insurance discount for the educators will vary from one insurance provider to another. Many of the insurance firms will offer averagely between 10 to 15 percent discounts on the premium rates.

Educators are required to provide documented evidence of their profession to the insurance company.

It is possible to carry out research on car insurance packages that are specially designed for the educators.

There are certain factors that the insurance firms consider while issuing discounts for car insurance for the educators.

These are mentioned below:

  • The applicant’s age
  • The applicants driving history
  • The educator’s credit rating

Educators, who are under the age of 25 years, will be charged higher premiums as compared to those in the same profession but are much older.

This is because those under 25 years are considered to fall under the high-risk category due to their inexperience and aggressive nature while driving on the roads.

Educators who have got perfect credit ratings qualify for the highest discount.

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Which companies offer car insurance discounts for educators?

It is worth mentioning that not all the insurance firms usually offer discounts for educators. The best approach that one can use to identify the companies that provide these discounts is to use the internet.

By using the search engine technique, it becomes easier to get the information that you are looking for.

Once you have identified a list of companies that offer car insurance discounts, the net step is to fill out the necessary forms.

Personal information will be required on the forms and this will be used to provide you with an online car insurance quote.

Tips educators can use to get a good car insurance discount:

  • Tickets and Accidents  Accidents and tickets can bring in a lot of misery and in addition to this they greatly increase the amount of car insurance that is imposed on you.
  • Professional and Alumni Associations  Those educators who are members of alumni associations can qualify to get a discount of 5- 15 percent.
  • Educators – Those who are members of a National Education Association or even an education association of the State can qualify for car insurance discounts of 10 to 20 percent.
  • Defensive Driving Course  Educators who have taken the defensive driving course increase their chances of qualifying for higher car insurance discounts. Beginners who have taken this course qualify to get discounts. Drivers older than 25 years of age also qualify for discounts.
  • Military Benefits  Educators who work with the military can qualify to get discounts of up to 15 percent. Educators that have already retired from the military qualify to receive the discount for their car insurance.
  • Car Security Systems  By having security systems installed in your car, the insurance company can offer you an attractive discount depending on the specific company that you deal with.
  • Multiple Policies  Educators who have multiple policies in the same insurance firm qualify to receive a good discount on their insurance package.

Quotation Comparisons

Educators should note that the amount of discount that they get from their car insurance will depend on the factors mentioned above.

Making comparisons of the offers from different car insurance companies is beneficial in ensuring that you get a good rate.

In case you are the type that sticks to one insurance company, then you could be missing out on some substantial savings.

Comparing quotations is very simple since they are online sites that provide this service. They will issue you with several quotations to compare from. Remember to deal with a reputable company.

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References:

  1. https://www.libertymutual.com/auto/car-insurance-coverage/teachers-auto-insurance
  2. https://www.thebalance.com/how-to-get-your-driving-record-527249
  3. https://www.nationwide.com/car-insurance-discounts.jsp
  4. http://www.nea.org/
  5. https://www.defensivedriving.com/new-jersey/home/
  6. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true
  7. https://www.geico.com/