Teacher Car Insurance: Your Guide to the Best Rates (2022 Guide) – MarketWatch

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If you’re a teacher looking for auto insurance discounts, you have several good options to consider. Either directly or through affiliations with teacher organizations, multiple insurance providers offer low rates to educators. It’s a great way to show appreciation for the essential work teachers do every single day.
In this article, our Home Media reviews team will examine a few auto insurance providers that offer special discounts for teachers. We’ve also ranked the best car insurance companies to help you make the right coverage decision for your needs.
Teachers have several good options when it comes to cheap car insurance. Educators will find a mix of major industry names and smaller companies that offer special discounts for their occupation. Some of the top auto insurance providers teachers should consider include Geico, Liberty Mutual and Horace Mann.
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Better Business Bureau (BBB) Rating: A+
AM Best Financial Strength Rating: A++
Geico is an excellent choice for auto insurance due to its combination of coverage options, affordable rates, availability and industry reputation. According to our rate estimates, 35-year-old drivers with clean driving records and good credit pay about $1,308 per year for car insurance through Geico. This is about 24% lower than the national average of $1,730 per year.
Teachers who belong to various educational organizations can get special discounts from Geico. The Association of American Educators, American Library Association, Music Teachers National Association, National Tutoring Association and more are among Geico’s many educational affiliates.
Keep reading: Geico insurance review
BBB Rating: A+
AM Best Financial Strength Rating: A
A wide range of coverage options and plenty of add-on protections make Liberty Mutual a solid choice for an auto insurance policy. New car replacement insurance and a lifetime repair guarantee are among the optional coverages you can purchase through the well-known insurer.
Liberty Mutual offers customized car insurance policies with special benefits for teachers. These include protection from vandalism on school property, collision coverage when driving on school business and coverage for school-owned items and teaching materials in your vehicle. You can also stack discounts — for example, accessing additional savings by bundling your car and renters insurance or home insurance — to save even more money.
Keep reading: Liberty Mutual insurance review
BBB Rating: A+
AM Best Financial Strength Rating: A
Horace Mann was founded in 1945 by teachers and focuses on offering affordable insurance policies to educators. The company offers discounts for teachers who have multiple policies, who have their premiums automatically deducted from their paychecks and who are members of educational associations. Their Homeowner Educator Advantage® Endorsement provides additional, free coverage to educators with a Horace Mann home, renter or condo policy. For greater peace of mind, educators can choose to add on other insurance products such as roadside assistance.
Educators who purchase a Horace Mann insurance policy receive the company’s Educator Advantage™ package at no extra cost. The additional benefits include:
On top of special discounts for teachers, there are other strategies that can help lower your auto insurance rates. Gathering auto insurance quotes from multiple providers is always the best place to start. You might also try the following to bring your insurance costs down:
Car insurance coverage costs are influenced by a wide range of factors. You can’t control all of these factors, but knowing what affects the price you pay will help you understand the car insurance quotes you receive. The most common factors that determine auto insurance coverage costs are your location, vehicle type, driving record, credit score and demographics such as your age, gender and marital status. When it comes to finding affordable coverage as a teacher, look for companies that offer special coverage options or discounts for educators to get the best deal. Our team recommends reaching out to multiple providers for free quotes so you can compare your options.
Many insurance providers offer discounts for teachers. Liberty Mutual and Horace Mann are good examples of companies that offer direct discounts to educators. Geico offers reduced rates to policyholders who are members of certain educational associations.
While Meemic does provide insurance only to the educational community, it might not be your cheapest option. Yet if you’re looking for insurance specifically for teachers, you could look into Meemic, and National Education Association members can check out the NEA Auto & Home Insurance Program, which is provided by California Casualty.
Although Geico doesn’t specifically offer discounts to teachers, it holds partnerships with a wide range of educational organizations to help educators save on their car insurance. The American Educational Research Association, the Association of Teacher Educators and the National Association for Music Education are a few examples of Geico affiliates.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
*Data accurate at time of publication.
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