Insurance Discounts for Teachers

Insurance Discounts for Teachers

As a group, teachers, professors and other education professionals generate better insurance loss experience than the general population.   Because of this, a number of insurance companies offer teachers and other education professionals discounts or coverage advantages.

In fact, the class is so large and so profitable that a number of insurance companies exist whose main focus is the education community.

Coverage Advantages Available To Teachers And Other Education Professionals

A number of insurers offer preferred policy terms to customers who can prove that they are education professionals or that they are current members of education related organizations.   Some examples include:

  •         Waiving the comprehensive deductible when a vehicle is vandalized on school grounds or during a school related event;
  •         Coverage for teaching related property if stolen or damaged while in your covered auto;
  •         Waiving the collision deductible if you are involved in an accident while driving on school business;
  •         Coverage extension for personal property of teachers at the school;
  •         Coverage for loss of fundraising money in the teacher’s possession.

Premium Discounts Available To Teachers And Other Education Professionals

A number of insurers also offer premium discounts to education professionals.  These discounts can be 5% or more of the annual premium, and thus can be substantial.

Some insurers also offer similar benefits to retired education professionals.   If you are an active or former education professional, inform your insurance agent and ask about the benefits that you may be eligible for.

There are many other discounts that you may be eligible for.  Part of being a smart consumer is working with your professional insurance agent to explore the various discounts for which you may be eligible.   Having the right dialog with your insurance agent could save you hundreds of dollars, or more, annually.

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While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.

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