Where can I get some car insurance discounts for teachers?

Although teaching has enormous rewards, being highly compensated is not one of them. Thankfully, car insurance companies that extend discounts to teachers allow them to stretch their paychecks a bit further.

If you are among the ranks of educators, you may not be aware of car insurance discounts available to teachers, or familiar with how to find teacher discounts for car insurance.

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Tips for Obtaining Car Insurance Discounts for Teachers

1. Compare Companies

Some insurers, market insurance products directly to teachers. Large insurers, such as Farmer’s Insurance and Liberty Mutual also offer teacher discounts.

Insurers have determined that teachers are often safer drivers, and offer teacher discounts to recognize them for their safe driving habits, as well as to say thank you for their public service.

2. Do Your Homework

Before you start collecting car insurance quotes, you need to assess the coverage you currently have and determine the coverage you need. Decide upon the type of coverage, limits, and deductible with which you are comfortable.

Raising your deductible, or dropping unneeded features can help reduce your premium costs.

Other information that you will need to gather before asking for a quote is the approximate annual mileage or commuting distance that you will drive daily.

Also be prepared to provide your vehicle identification number, so that the insurer can include discounts based upon your car’s safety features, such as:

• Daytime running lights
• ABS braking system
• Airbags
• Security system

Once you have evaluated your current coverage and have determined the coverage that will best meet your needs, you are ready to move on to the next step.

3. There Are No Dumb Questions

When speaking to an agent, mention that you are a teacher, and don’t hesitate to ask for a teacher’s discount.

Membership associations and professional unions often have affiliations with certain insurers to access discounts for their members. When speaking to insurance representatives, be sure to mention memberships that you hold for those organizations as well as those such as AAA or AARP.

If you hold life insurance or homeowner’s insurance coverage with the same company, inquire about multi-line discounts.

4. Student Teachers

If you are currently enrolled in a degree program, ask whether there are good student discounts for which you may qualify.

Additional discounts may also be available for those who qualify as safe drivers.

If your driving record ‘needs improvement’, you may consider taking a driver safety course to improve your standing.

5. Compare and Contrast

Comparison shopping is essential to finding the best discounts on auto insurance. Once your homework is done, a small investment of time doing online research is advisable. Comparing apples to apples is important because what initially appears to be the least expensive rate may not be when you inspect the fine print.

Make sure that the quotes are for identical coverage limits, features, and deductibles. Once you have determined that the quotes represent equivalent coverage, you are ready to narrow the field and select the coverage that offers the best combination of value and price.

Finding teacher’s discounts for auto insurance may require a little extra homework, but finding quality car insurance for less will reward your efforts with A-plus coverage. Find car insurance discounts and get cheap car insurance with our below comparison tool! Enter your zip code below to get started!