Car Insurance for Teachers
by DIEGO GAITAN
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.
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.
