Reader question:

I drive a lot because I am a theater teacher and I haul my students around to view plays, to the Renaissance Fair, to perform and all that. Is there some way that I can make my car insurance rates lower?

Margie

Glad you asked, Margie.

Before I get into the meat of the question that is most specific to you, I want to inform you of several other discounts that you might be abler to get for your discount car insurance policy. First of all, do you have a pretty good driving record? IF you don’t have any traffic violations in the last three years, most car insurance companies will give you better ratings for that. What about your car? Does it have various safety devices and anti theft devices installed? Anti theft and safety measures can also get you discounts. Obviously you wouldn’t qualify for the low mileage discount, but if you are a teacher of mathematics then you could probably get a good discount from 21st century, which gives fifteen to twenty percent off for people who have degrees in mathematics, engineering, and the like.

However, as a teacher you have a more specific discount available to you if you belong to a teacher’s union such as the National Education Association, or NEA. Granted the discount that you usually get on a one car auto insurance policy doesn’t reach far enough to cover the actual fees for being a member of the union, but there are plenty of other perks of being in the union that will probably make up for it, and when you have more than one car on your policy the real saving start.

There are some requirements, usually. You have to be either a full time college professor, or you have to be a teacher with state certification. If you meet all of the requirements, your car insurance discount could be as much as thirty percent.

Cheers,

Fashun Guadarrama.