Car Insurance For Teachers July 21, 2008
Posted by admin in : Car Insurance Articles , trackbackCar Insurance for Teachers - What you need about teachers auto
insurance
Author: Diego Gaitan
Article:
A lot of people aren’t happy with their auto insurance these
days, either because of its high cost or they wish they had more
discounts. But if you happen to be a teacher, you don’t have as
much to worry about. According to an article on MSN Money,
“Horace Mann Insurance…offers discounts to teachers who
belong to state education associations or the National Education
Association… (also) available through…one of its two
subsidiaries — Allegiance Insurance or Teachers Insurance.” The
discounts are apparently based on the assumptions that teachers
have a stable occupation, stable employment, and the
understanding that the community scrutinizes them. These
companies claim that stable jobs, being under the watchful eyes
of society, and having responsibility make teachers more likely
to be better drivers and therefore deserving of auto insurance
discounts.
You will be able to use your good driving record to your
advantage due to your status as a “good driver.” There’s a
discount available for people with an engineering or science
degree; specifically, most insurance companies offer a teacher
discount because teachers are rated as “above average drivers”
by the Auto Insurance companies.
At least one insurance company maintains that there is a direct
relationship between what you do for a living and your risk of
being in a car accident. Therefore, a scientist will pay the
least amount of money and owners of businesses will pay the
most. Not only does job type determine the cost of your
insurance premium, geographic location, driving record, claims
history, credit history, gender, age and car make and model also
determine the cost of your premium. Therefore, if you are a
teacher, you are in luck. The reasons for this are justified
with statistical evidence.
It is proven statistically that teachers have better accident
records and have lower records of reported claims than other
drivers. Teachers have lower insurance because they are
typically more alert. There is an insurance program particularly
for teachers entitled the Teachers Insurance Plan. Under this
plan, both active and retired teachers may obtain insurance
coverage at a more affordable cost. This is a reward for the
wonderful driving plan of teachers.
With much of their time already spent off the roads at the
school or home, by practicing safe and responsible driving
techniques teachers are involved in far fewer traffic accidents.
Data shows that teachers are very safe drivers; therefore, they
deserve to be rewarded for their safe driving records.
In several U.S. states these days, teachers can be insured using
the Teacher’s insurance policy.
If you belong to a state education association or the National
Education Association (NEA), then you can receive these
discounts. The NEA has been offering discount possibilities for
around fifteen years. The membership dues for those having only
one car will not be covered because of your policy, but they
will be if an additional car is added. Think about the fact that
there are many additional benefits for those who are members of
a teacher’s association.
According to some companies, if you wish to use the teacher
discount, you must be a teacher who is state certified, or you
must be a full time professor at a college or university.
Discounts increase by as much as 30%.
You are eligible to use the Teachers’ Insurance Plan if you are
currently teaching or are a retired education professional. It
is great that many insurance companies reward the education
community for good driving habits with savings for teachers and
other education professionals who are the pillars of their
communities.
The Teachers’ Insurance Plan saves its policyholders hundreds
of dollars on their car insurance premiums every year; they may
save even more depending on their driving record, annual mileage
and several other factors.
About the author:
To learn more about car insurance for teachers, visit
http://www.cheapautoinsuranceplace.com where you will find
everything you need to know about getting a cheap auto
insurance and much more.
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