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Teacher Car Insurance

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Things to know...
  • The top auto insurance companies offer teachers and other educators occupational car insurance discounts
  • Occupational discounts are offered to certain professionals because they are categorized as above average drivers
  • All teachers should protect their income and their assets by purchasing adequate limits of liability coverage
  • Lower your premium by classifying your cars as pleasure vehicles during summer and winter breaks
  • Be sure to check and see if you are covered by the school when you drive students to field trips or other school activities
If teaching is your passion, you probably knew from a young age what you wanted to do with your life. While being an educator is certainly a fulfilling career, it’s also an extremely challenging one.

Shaping the youth of today to become contributing members of society and successful people isn’t an easy task. It doesn’t just take the right amount of training in college, it also takes the right individual who will make a lasting impression on students in their classroom.

Not only do teachers deserve respect for what they do in their communities, they also deserve special benefits. One advantage to choosing this career path is that you’ll qualify for special discounts as a member of a professional or affinity group.

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One advantage to choosing this career path is that you’ll qualify for special discounts as a member of a professional or affinity group. One of the most appreciated discounts is on auto insurance. If you’re shopping for teacher car insurance, here’s a shopping guide to help:

Why do teachers need their own guide to auto insurance?

AdobeStock_86689418-1600x1600It might be a little off-putting to hear that there’s a guide to buying personal car insurance that’s strictly written for teachers. As much as students think that they’re teachers have all of the answers, that couldn’t be further from the truth.

They might be experts in a subject that they teach but that doesn’t make them experts at all things relating to auto insurance. While all consumers have the need for auto insurance, each driver will face different risks because of their occupation.

A majority of people who are employed drive their personal cars not just for pleasure, but for work as well. Since being an educator can expose you and your car to different risks, it’s vital that all teachers learn the basics of auto insurance before they buy a plan.

Having the Wrong Insurance Could Affect Your Teaching Credential

Before you can lead a classroom, you have to make the grade when it comes to your background check. Getting your teaching credential is a process and that process goes beyond just earning a degree in Education and passing Praxis exams.

Even after you’ve passed your exams in school and the exams required for state licensing, you’ll have to pass another test that doesn’t involve testing what you know.

The last step of the licensing process is passing a test that dives into your past to see what type of person you are and it’s called the background screening.

Schools will run state criminal background check, a Federal one, a child abuse case check, and a credit check to see if you have a criminal past that would put your students at risk.

– Carrying Insurance is the Law

In virtually all states, carrying auto insurance on your personal car is the law. While you’re not going to be convicted of a felony solely for driving without insurance, some states have made ‘no insurance’ tickets a criminal misdemeanor instead of just a driving infraction. States where these convictions can be seen as misdemeanors include:

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– How do you satisfy state insurance laws?

You might think that your driving past has absolutely nothing to do with how you will perform when you’re teaching a class, but some licensing boards might disagree.

Almost all state licensing boards run national and state criminal checks and all misdemeanor convictions will be found in the reports if you’ve been caught driving without insurance.

If you live in a state with a thorough background screening procedure, you don’t want to lose your credential because you decided to drive without the proper coverage.

That’s why you should know what the state insurance requirements are at all times. Every state has different mandatory insurance laws and complying with them will help you avoid any lurking licensing issues.

– How do you find out what type of insurance is required in your state?

dollarphotoclub_79971120-1600x1600-2Insurance requirements are part of a state’s legislation. There’s not a single universal law that you can reference to make complying with the law easier.

You’ll have to look up your state and find out just what type of coverage is required and what limits you’ll have to posses at a minimum. Here are some standard coverage options that are mandatory:

  • Bodily Injury Liability – Pays for a limited amount of medical bills and lost wages when third-party claimants are injured
  • Property Damage Liability – Pays for a limited amount of repair bills or property replacement when third-party property is damaged
  • Personal Injury Protection – Required in no-fault states to pay for first-party medical bills and related expenses after there are first-party injuries

Should you carry more than what is required by law?

You don’t have to buy a basic policy. Basic mandatory requirements are in place to ensure that everyone on the road has at least some coverage to lean on if they are injured in an accident.

It’s best for educators and all professionals to carry more than just what’s compulsory in the state. Failing to do this will leave you at risk.

– What could happen if you’re underinsured?

There are a lot of risks associated with being underinsured. Just like you expect your students to put the right effort into their studies, you need to put the right effort into buying sufficient coverage.

Experts recommend that all professionals carry no less than $100,000/$300,000/$100,000 in liability coverage. If you carry students, you should have even more. Here is what could happen if you don’t have sufficient limits:

  • You could be forced to pay out-of-pocket if the claimed amount exceeds your limits
  • You could be ordered in court to pay a settlement in the form of a wage garnishment or liquidation of your assets
  • You could lose property

What types of coverage are considered optional?

AdobeStock_56116135-1600x1600In addition to carrying liability, you should look for protection that helps pay for your own expenses. Liability might protect your finances, but not much else. You need first-party coverage for any real type of peace of mind after an accident. Here are some forms of coverage to consider:

  • Comprehensive
  • Collision
  • Medical Payments
  • Uninsured Motorist
  • Uninsured Motorist Property Damage
  • Rental Car
  • Towing and Labor

Look For Discounts For Teachers

If you’re trying to save as much as you can, you need to look for all of the discounts that you can. The biggest discount that’s available to teachers is the occupational discount. Most insurers offer discounts to professionals who are statistically proven to be safe drivers and educators make the top of the list.

In addition to the occupational discount available to teachers, there are the standard discounts that any professional can take advantage of. Some of the top discounts that will lower your premiums include:

  • Safe Driver
  • Accident-free
  • Claim-free
  • Loyalty
  • Low Mileage
  • Good Credit
  • Driver Training
  • Defensive Driver
  • Good Student

How to Find Teacher Car Insurance

The best way to find a teacher car insurance policy that you’ll feel good about is to use an online rate comparison tool to shop around.

You can enter your information and discounts will be added automatically based on what you’re eligible for. Don’t miss out on our free insurance comparison tool below! Just enter your zip code and start comparing rates now!

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