Cheap Car Insurance For Single Moms

Single moms, in fact, all women, have it better than men do when it comes to car insurance rates. Insurance companies consider women safer drivers than men, and statistics back this up. According to the Insurance Institute for Highway Safety, accident statistics for males and females reveal interesting information that translates into cheaper insurance for women. Based on 2009 data, 70% of all traffic-related deaths were male. Over 90% of motorcycle deaths were male, as well as 87% of bicyclist deaths.

To be fair, however, statistics also show women log fewer miles on the road than men. But they also tend to practice safer driving habits, such as consistently wearing seat belts, driving posted speed limits, obeying traffic rules and not driving under the influence of drugs or alcohol. The good news for women, especially single moms, is that this all adds up to cheaper insurance rates.

Cars and Child Safety

The most precious cargo is your child, and single moms do double-duty in protecting their child since there is no partner to help. Buying a car with all the latest safety features protects your child and yourself, while paying off big-time when it comes to insurance premiums. Newer cars have enhanced safety features such as side impact airbags, reinforced roofs to protect occupants in rollover crashes and advanced seat belt and headrest technology. Every year, the Insurance Institute for Highway Safety ranks the safest cars, which are also the cheapest to insure. Many of the safest models are SUVs and minivans, including the Toyota Sienna, Ford Flex, Honda Element and Volkswagen Tiguan. The list includes over 60 different models, and it’s a great idea to check the list if you’re in the market for a new car — just type “top safety picks” and the year into your computer browser.

Discounts and Bundling

The first rule about insurance discounts — just ask! Like many things in life, you don’t get if you don’t ask. Insurance companies have numerous discounts to help drop the price of your coverage. Is your child a stellar student? Most insurance companies will give up to 25 percent discounts for students with a B-average or higher. If you drive without an accident for one year, you may be able to get a good driver 10% discount. Paying your insurance all at once is great if you can afford it, since you have now given yourself a discount by avoiding the finance charge. If you need any coverage such as homeowner’s or renter’s insurance, bundle it with your car insurance and save money. Adding more than one car onto a policy is another great way to bundle and save.

After exhausting all the discounts, see if you can pare down your coverage. Drop towing insurance, especially if you already have roadside assistance through AAA or another auto group. Drop the rental car insurance if you can borrow a car temporarily or know that you can get deals on car rentals. Moving closer to your job cuts your mileage, which cuts risk, which lowers insurance premiums. If you drive an older car, consider dropping comprehensive and collision coverage.

This will probably not work if you are still financing your car, since most lenders require both of these coverages. However, if you have paid off your car and it is worth less than 10x the amount of comprehensive and collision cost, consider dropping the coverage. Do make sure, though, that you have money set aside to pay for any damage to your vehicle. Oh, and one other thing — check your current deductibles and consider doubling them. This simple move can save you a substantial amount in monthly premiums.

Pay as You Drive

This type of coverage is new, and we can only hope that more insurance companies take up this trend. This may not help some moms who drive a lot, especially with more than one child and tons of sports and other activities. For those with a short commute, though, pay-as-you-drive insurance may provide huge cost savings. Progressive Insurance offers this type of coverage, and installs a tracking unit in your car. The tracking unit not only tracks mileage, but driving behavior as well. If you tend to speed, slam on the brakes a lot or have other erratic driving behaviors, this may actually work against you. The monitor transmits your mileage to Progressive Insurance once every six months, as part of pricing your new policy. One of our partners, GMAC Insurance, provides another option. GMAC is working with OnStar to provide a similar type of program. The benefit of the GMAC/OnStar program is that it only tracks mileage. The downside — this only works for cars that use the OnStar system.

Have Your Information Ready

They say knowledge is power, and that is definitely true when shopping for new car insurance. Find the declaration page, usually the first page of your current insurance policy, and have it with you while you are shopping around so you can compare features and prices. In order to get quotes, you also need to have your car’s make, model and year handy. You may also need to provide your Social Security number and driver’s license number. Know your current coverage and deductibles. With all this information ready, getting multiple quotes is easier. This is one of the fastest ways to get cheaper insurance.

Shop ‘Till You Drop

Life circumstances change. Maybe you have changed jobs and now have a shorter commute. Maybe a ticket or two has just dropped off your driving record, or maybe you are thinking of buying a new car. If circumstances change, heck, even if they haven’t — it’s a great idea to get new quotes every six months on new auto insurance. External economic factors also affect the cost of auto insurance, which might drop premiums, even if nothing has changed in your personal situation. maintains a list of average car insurance prices by state, by month. If the price trends for your state are headed downward, it’s time to get some new quotes.

These days, long phone conversations with pushy agents are not necessary as far as getting quotes is concerned. Use the Internet, and promise yourself you will get a minimum of three different quotes. Two easy ways to do this: go to and enter your information. sends your information to several different companies at once, and within about 10 minutes, you will receive quotes from several different insurance companies. Second, stop by and request a quote. Progressive will provide quote comparisons from its competitors when it delivers your quote, and the best part is all of these quotes are provided free.

Auto Insurance Quotes in Pennsylvania

Pennsylvania, formalized as a state in 1681, was one of the nation’s first to be settled. Today, the state’s population numbers over 12 million residents, with the fifth largest driver population in the country.

With this many drivers, it might surprise people to find that Pennsylvania roads are safer than average according to the National Highway Traffic Safety Administration. Per 100,000 population, Pennsylvania had 9.96 traffic fatalities in 2009, compared to 11.01 for the U.S. The number of fatalities has also dropped each year since 2005, helping Pennsylvania auto insurance rates to fall below the national average.

Pennsylvania Auto Insurance Requirements

Each state requires certain auto insurance coverage for each registered vehicle and licensed driver. Pennsylvania requires drivers to carry liability insurance with minimum coverage limits of 15/30/5. This means $15,000 of bodily injury per person or $30,000 per accident, and $5,000 for property damage. Pennsylvania also requires PIP, or Personal Injury Protection, for $5,000. This coverage also goes by First Party Benefits, or FPB. Some states may allow drivers to meet the medical coverage requirement with employer-provided health insurance, if the coverage is adequate.

Coverage Types

Each type of auto insurance provides coverage for specific types of damage or injury. Liability insurance does not cover the policyholder; it covers only the other party’s damages. PIP insurance covers medical costs for the policyholder and his passengers. Comprehensive coverage takes care of damage caused by non-collision events such as floods, fire or vandalism. Collision insurance pays for damage caused when your vehicle collides with another vehicle or object. Car finance companies usually require comprehensive and collision coverage as part of their finance contract. Some drivers add on uninsured motorist protection, which covers the policyholder in case a motorist causes an accident and cannot pay for the damages.

Teen Drivers

Pennsylvania’s teen drivers take part in a three-stage driving program, helping them experience progress gradually into safe, confident drivers. The stages include six months of skill building before a teen can qualify for a driver permit. With a permit, the teen must have an over-21 driver in the car at all times and accumulate 50 or more hours of supervised driving practice.

Stage 2, the junior license, allows teens to drive alone, but they must not drive after 11:00 p.m. or before 5:00 a.m. Teens may only have as many passengers in the car as the number of seat belts available. The third stage, an unrestricted license, is available when teens turn 18 and have completed the previous requirements.

Graduated drivers licensing for teens provides more oversight and guidance. According to Philadelphia’s “The Inquirer,” teen driver fatalities have dropped approximately 24 percent statewide from 2005 to 2010. This important change saves lives and may reduce car insurance premiums for teenage drivers.


When getting insurance quotes, ask about policy discounts. Many insurance companies offer at least some type of discount, although they may not give it unless asked. Good driver discounts are popular, as well as good student discounts. Recently, insurers have begun providing premium reductions or a shrinking deductible over time for good driving behavior. Some companies also reward policyholders for paying a full year up front, or paying monthly premiums through an auto-deduction from their bank account. Finally, adding more cars to the same policy or combining your auto insurance coverage with another type of coverage such as homeowner’s insurance saves money on premiums.

Pennsylvania Average Premiums for Auto Insurance

According to, Pennsylvania, drivers pay an average of $1,353.56 for standard insurance coverage per year as of July 2011. This compares favorably to the national average of $1,436.40. The trend in prices has been heading slightly down for most of 2011, although drivers in urban areas of Pennsylvania continue to pay higher premiums.

Philadelphia, the largest city in the state, costs drivers an average of $2,313.05 each year for insurance, while drivers in Pittsburgh pay a much more affordable $1,459.69. These amounts provide a frame of reference, but each driver has his or her own set of unique circumstances that may result in different premiums.

Shopping for Pennsylvania Auto Insurance

Many of the largest insurance companies provide coverage in Pennsylvania. This includes GEICO Auto Insurance, Progressive Car Insurance, State Farm, Allstate and Liberty Mutual. is another online quote provider that returns several quotes based on the consumer’s provided information. Obtaining several quotes is the easiest way to find lower rates. Insurance companies use their own algorithms to evaluate customer risk, so different companies may price the same driver differently. It is worth the minor investment to shop around for the lowest offered rates.

Pennsylvania Auto Insurance Quotes

Free online quoting tools make it simple to get quotes for auto insurance carriers licensed in Pennsylvania. Many auto insurance websites provide a simple quote form to complete online. Consumers should be aware of how much, and what types of coverage they need. While going through the quote process, some insurance companies will also provide tips to reduce premiums, such as recommending discounts or higher deductibles.

Best Car Insurance for Low Income Families

Finding cheap car insurance is an inexact science — insurance companies feed many assumptions into their quote-making machines and the same customer information can return a wide range of quotes from different insurers. In most cases, the best insurance for low-income families is really more of a strategy of doing research and telling insurers exactly what you want and need for your auto insurance coverage.

Insurance Cost Factors
Many factors come in to play when insurance companies choose rates for customers. Rates vary based on age, driving experience, gender, driving record, annual mileage and type of car driven. Some of these factors are unchangeable, but others may improve over time. If you have any traffic violation points on your record, they typically stay for three years. After three years, get new insurance quotes to take advantage of your improved driving record. If possible, try to work close to home to reduce your commute.

What some people do not know is that insurers are now looking at your credit score as well when preparing your quote. Apparently, statistics show that people with poor credit histories tend to have more accidents. As long as you make credit payments on time, your insurance should not be affected. Additionally, some people must pay much higher premiums because they live in areas that experience high vandalism and theft rates. If this is the case, get a few quotes from insurers that provide high-risk coverage — you may find they can help get you lower rates than companies that write mostly standard policies.

Tailoring Your Insurance Coverage
Start cutting down your premiums by increasing the amount of your deductible. This means you will have to have some cash set aside in case you get into an accident, but it saves a lot of money each month on premiums. If you drive an older car that is paid off, you can drop the comprehensive and collision coverage. It may cost more to keep this coverage over time than the value of your car.

If your car is financed, however, you will be required to maintain comprehensive and collision insurance until the car is paid off. You may want to consider selling a car that is not paid off and buying an older model that is reliable and cheaper to insure. When shopping around for quotes, work with an agent that takes the time to explain everything, answer all of your questions, and work through various quote scenarios that get you the lowest rates possible. If you feel the agent is irritated or not helpful, it’s time to find someone else.

Mandatory Car Insurance
Car insurance is mandatory in all 50 states, and for good reason. It’s bad enough if someone hits your car, through no fault of your own. But if they leave you with repair and medical bills because they don’t have insurance that could be devastating. California understands that many drivers have stretched budgets and cannot afford auto insurance. The state has developed a low cost automobile insurance program to help low income residents afford insurance. The program offers only liability coverage with low limits, which might not fully protect you.

However, the insurance does keep you within legal requirements for carrying insurance. Applicants must have good driving records, own a car worth no more than $20,000 and meet certain income requirements. Nevada is implementing a similar test program in 2011 to help its residents keep their insurance. Check with your state’s Department of Insurance to see if something similar is offered in your area.

No Loyalty
A recently published article cited a study of insurance company advertising mailers. It said that customers that demonstrated loyalty by remaining with their insurance company for years were being overcharged. Rates offered on advertising mailers were found to be about 10 percent lower than rates paid by long-time customers. This is a perfect example of why it is important to get insurance quotes every six months to check for lower rates.

Insurance companies offer a ton of discounts, but they do not tell you about all of them unless you ask. Take note of the discounts that apply to your situation and ask insurers for them. Here is a list of some possible discounts available:

– Low mileage discount
– Good driver discount
– Anti-theft devices (alarms, lojack)
– Combining auto with homeowners
– College students away at school
– Defensive driving courses
– Good credit
– More than one car on a policy
– Three years with no accidents or moving violations
– Student drivers with a “B” grade average or higher

Alternative Plans
Instead of going directly to an insurance company, look for lower rates as part of a group auto insurance plan. Ask around at work or any clubs, associations or other groups to which you belong. Another insurance plan worth investigating is the pay-as-you-drive plan. Progressive Insurance and GMAC both offer variations of this program.

Progressive monitors your miles driven with the help of a device installed in your car. GMAC has partnered with OnStar, so any car with OnStar installed can work with the GMAC insurance program. This might not be a money saver for people who drive a lot, but makes sense for those with lower mileage needs.

One of the most important steps in finding the lowest-cost insurance for you and your family is to shop around and get as many quotes as possible — from at least three different companies. Get started by using our free quote system to receive quotes from several insurance companies licensed to do business in your state.

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4 Ways Car Insurance Companies Fail Customers

Car insurance can save the day, especially if you are involved in an expensive accident that would have cost you thousands of dollars in medical bills or repairs without insurance. Unfortunately, some characteristics are common throughout the car insurance market. These annoying tendencies can leave customers feeling confused, unappreciated, and frustrated.

Mysterious Rate Calculations

It is common knowledge that a driver’s car insurance rates are based on their driving history, age, marital status, credit report, zip code, gender, and the type of car they drive. What is not so clear is how each insurance company measures each of those categories to determine the customer’s rate.

Every company uses a different scale, which means that a single customer could receive an extremely wide variety of quotes from several insurance companies based on the same information. The only way to make sure you are getting the best rate for the coverage you need is to compare quotes from at least three different insurance companies.

High Susceptibility to Fraud

The insurance industry is constantly plagued by fraudulent claims. The trouble is the companies don’t have a good way to determine which claims are fraudulent versus which claims are genuine. By the time they figure out a specific insurance scam and protect themselves against it, the scammers have developed a new scam. The real victims of this continual fraud are the honest drivers who have to pay more for their insurance policies to cover the losses created by the scams.

The Insurance Information Institute reports that insurance companies pay out more than $30 billion every year for dishonest or exaggerated claims. The high cost of keeping up with insurance theft is one of the main reasons the companies have to raise their rates.

Policies are Complicated

The language of many insurance policies is almost impossible for the common driver to understand. Insurance policies tend to be written in legal language that protects the insurance company from any loopholes that a driver might be able to use to increase a claim. It almost feels like insurance companies are intentionally misleading customers by making their policies so difficult to read and understand.

Customers need to take their time and research a car insurance policy thoroughly before signing on the dotted line. It is important to understand exactly what is covered by the policy and exactly what is not covered by the policy before you need to file a claim.

Slow Communication with Customers

Many insurance companies are having a hard time keeping up with the communication demands of their more tech-savvy customers. Drivers want to be able to ask questions and receive information through e-mail, but insurance companies seem to be resistant to jumping onto the information superhighway. The majority of today’s car insurance companies don’t offer electronic policy updates or other digital conveniences that many drivers, often a younger demographic, prefer.

Research shows that these drivers are also the quickest to search for a new policy when they feel slighted, so insurance companies that pay attention to the growing trend toward e-mail will probably have the most success in the next few years.

Ford Innovates Inflatable Seatbelt

While airbag technology has made great strides in protecting front seat passengers, the people sitting in the back seat have relied solely on their standard seat belts to keep them safe in accidents. Ford is introducing a new safety technology that should reduce the risk of head or neck injury for back seat passengers without sacrificing comfort. Inflatable seat belts look and feel much like standard seat belts, but during an impact, they deploy a small air bag along the shoulder strap. Cars equipped with these belts are likely to benefit from lower car insurance rates.

Technology Combines Seat Belts and Air Bags

Ford is touting this new innovative safety device as a combination air bag and seat belt. The belts inflate when they are triggered by quick pressure, which is similar to the way dashboard air bags are triggered. Unlike the front air bags, these seat belt air bags deploy more gently. Passengers don’t experience the same explosive inflation that is notorious for causing burns and other injuries in front seat passengers after air bag deployment. The small cushion of air that surrounds the shoulder harness of the seat belt provides just enough give so that the passenger wearing the belt experiences less force when thrown forward during an accident.

More Protection for Back Seat Passengers

Most of the passengers who ride in the back seat are children and the elderly. These passengers tend to be more frail and prone to injury during even a minor accident. The addition of inflatable seat belts could provide better protection for the passengers who need it most. Since the inflatable portion of the seat belt is along the harness part of the mechanism, it shouldn’t interfere with standard car seats for infants. It’s not clear whether Ford plans to include a way to turn off the inflation feature if necessary.

Dealers Can Reset Inflatable Belts

Unlike traditional dashboard air bags, the inflatable seat belts can be reset after they are deployed. Car owners must take the seat belt to a certified dealer for the repair. Inflatable seat belts are only effective when they are returned to their factory standard. Using the seat belts after they have been inflated could be less safe than traveling with a standard traditional seat belt because the harness has a different structure to allow for the inflation mechanism. It is important for rear passenger safety that the seat belt air bags be reset as soon as possible after inflation.

Belts Expected to be More Widely Available Beginning in 2012

Right now, Ford only offers inflatable seat belts as optional safety equipment in the 2011 Explorer. The auto manufacturer intends to use the innovative seat belts in a wider range of vehicles during the next model year. This test period with the Explorers will give Ford a chance to make any necessary changes or improvements on the inflatable seat belt design before it becomes more widely available. The slow release of new technology also allows time for the company’s mechanics to learn how to replace or repair the mechanism properly.

Five Biggest Auto Insurance Discounts

Every car insurance company offers special discounts to draw in new customers. Not all discounts are created equally, though. Here is a list of the five best auto insurance discounts offered by the widest number of car insurance companies in the industry today.

1. Multiple Policy Discounts

A multiple policy discount saves you money if you purchase more than one type of insurance through the same company. Most insurance companies sell more than car insurance. You can take advantage of special pricing packages if you add a homeowner’s policy or life insurance policy through your car insurance company. This discount is especially nice because it can save you money on two types of insurance premiums at the same time.

2. Low Mileage Discounts

Many insurance companies offer lower premiums for drivers who don’t drive very often. The fewer miles you drive, the lower your risk of being involved in an accident. If you aren’t driving a long commute every morning and evening, you might qualify for this discount. Each company has different ranges of mileage that qualify for this discount, so you will need to check with your insurance company to see if you qualify.

3. Good Driver Discounts

It is no secret that a good driving history can keep your car insurance costs down. Aside from the standard rate reductions that go along with being a low-risk driver, many insurance companies also offer substantial discounts for drivers who meet certain qualifications. These discounts can increase if you maintain a safe driving history for a number of consecutive years. Good drivers usually qualify for additional perks, such as accident forgiveness or lower deductibles, which can save you money if you find yourself needing to file a claim after a long period of safe driving.

4. Membership Discounts

Another lucrative car insurance discount can be earned by joining the right organization. Car insurance companies tend to affiliate with other groups or organizations to offer special discounts to the members of those groups. Being a member of AAA or an employee of a local manufacturer could earn you substantial discounts on your car insurance costs. You can find out about potential car insurance discounts by checking with your place of employment and any group, club, or organization that you belong to. If discounts are available, they will have a list of their car insurance affiliates in your area.

5. Good Student Discounts

The most expensive demographic for car insurance is between the ages of 16 and 25. Any discount that can cut down those high insurance costs is worth looking into. Almost every car insurance company offers some sort discount for high school and college students who maintain a 3.0 grade point average. The discounts can apply to a policy that is held by the student individually, or they can apply to a policy that is tied into a parent’s insurance coverage. Either way, good student discounts can ease the pain of buying the necessary car insurance coverage for an adolescent or young adult.

Compare Truck Insurance Rates

Truck insurance comes in two forms. Regular “pickup” trucks, with a short or long wheel base and a V-6 or V-8 engine, are classed similarly to passenger cars. This is because these trucks are designed for hauling relatively small loads and transporting passengers, not for commercial work. Larger trucks, which have the primary purpose of hauling very heavy loads or doing commercial jobs, are classed differently and require a different type of automobile insurance.

If you are looking for passenger truck insurance, your auto insurance company is the best place to start. If you currently have auto insurance on a car, adding a passenger truck to your policy is no problem. You will probably qualify for a multiple-car discount, as well.

However, if you are insuring a vehicle considered as “commercial,” you may have to look for a different agent or at least obtain a different policy. Bear in mind that even using a passenger truck for commercial purposes will require different coverage than simply using it for personal driving.

Commercial trucks are classed according to size and purpose. The larger the truck, the more miles it is driven, and the more hazardous the work involved, the higher the premiums for insurance will usually be.

Commercial trucks typically carry four types of coverage. Liability insurance is similar to what cars carry; it protects the driver in the event of damage caused to another vehicle or person. Cargo insurance covers the items contained within the truck. If a truckload of fine china is damaged in an accident, cargo insurance would cover the loss. Physical damage is similar to “comprehensive” coverage on an automobile; it covers damage from hail, floods, or other causes that may not be covered by the regular insurance policy. Workers’ compensation and medical protect the driver if he or she is injured on the job as a result of operating the truck. There is also a fifth type of coverage called “bob-tail” insurance which protects the truck when it is stored or not actually in use.

The most direct way to find a good insurance policy on your truck is to call several agents and compare prices. National companies such as Allstate, Nationwide, State Farm, or Progressive may be good options, as many commercial vehicles are driven over state lines, and different laws may apply to accidents in other locations. National companies have the resources to deal with this issue.

Another way to find low rates is to perform an internet search. Some websites are devoted to commercial truck insurance issues, such as This website has information on many commercial trucking insurance issues and can help you find companies that insure commercial vehicles. You can also try, a warehouse of trucking insurance companies that offers phone and internet service.

Be aware that many websites deal with commercial trucking in other countries, so be sure that the one you choose is based in the United States. Also, be aware that not all companies cover commercial trucks in all fifty states. Some companies have exclusion clauses for certain metropolitan areas, such as New York City and Los Angeles. Be sure you understand the limits of the policy for which you are applying.

Cheapest Auto Insurance in Boise–Who Has It?

If you are looking for affordable car insurance in Boise, Idaho, you have several options. There are many national insurance companies doing business in Boise, many with their own offices. There are also independent agencies that offer a variety of companies’ products. You can also do an internet search to obtain quotes from many different agencies. A short time spent looking for a low-cost policy may save you hundreds of dollars every year over your current coverage.

There are four major insurance companies with offices in Boise. State Farm, Allstate, Farmers, and American Family all have multiple locations in the Boise area. You can drop by any of these offices to talk about your insurance needs, or visit to find a listing of all the available agents.

If you decide to visit agents in person, take your driving record information with you and be prepared to visit at least three different companies so that you can compare rates. Some people prefer this method, as you can meet the agent and assess his or her personality and how comfortable you feel dealing with the office and staff.

If you do not want to make personal visits to these agents, you can do a great deal of research on the internet. Each of the above companies has a web site through which you can obtain a quote and a referral to a particular agent. You can also broaden your search to include some internet-based companies that do not have local agents.

Besides the company-specific web sites, which can be found by searching for “Boise Car Insurance,” you can find comparison websites such as These web sites do not serve a specific company, but instead provide search engines for consumers to compare rates among several companies at once. You will be asked for your zip code and identify information, as well as facts about your driving record. Companies will then respond to you based on your input and quote you a price for your coverage.

Boise is the largest city in Idaho, so rates are higher there than elsewhere in the state. However, Idaho, in general, has lower rates than other locations in the country. The average cost for coverage in Idaho is $1069, about $400 below the national average. However, rates are highly individual, based on your driving record, age, and the car you are insuring.

If you are a state or federal employee, or work in a service industry such as law enforcement, fire and rescue, or teaching, you may qualify for special discounts on your insurance. Be sure to talk to your proposed company about these discounts.

Also, you may qualify for discounts based on driver’s education courses and other voluntary actions you take, so be sure to note these on your application. Finally consider your current policy and the deductibles and liability limits you carry. Be careful to note the policy limits and deductibles on your quote; sometimes insurance companies offer you a lower price by giving you less coverage.

How Do You Find Auto Insurance Discounts for Teachers?

Teachers are not usually highly paid, but they do enjoy discounts on various items that are not available to the general public. For example, many cell phone plans offer teacher discounts; sometimes lower prices are available to teachers for computers and other supplies and other necessities to help them with their profession.

Teachers also enjoy discounts on auto insurance. As a group, teachers are a fairly good risk, so insurers are willing to give them lower prices on premiums not only because of their insurability, but also as a way of saying “thank you” for their devotion to the education of our youth. Finding these discounts need not be a difficult task; many online sites give teachers search capabilities to find good, discounted auto insurance prices.

Some companies deal directly with teachers through teacher-based web sites. At www., Unitrin Insurance Company offers teachers a free rate quote through their “Teachers’ Insurance Plan.” With $8 billion in total assets, Unitrin is a nationwide company with a sound financial base, and can save teachers hundreds of dollars per year on their car insurance. Whether you are an active or retired teacher, Teachers’ Insurance Plan can offer you a competitive rate and with even more discounts for multiple cars, home ownership, and drivers’ safety courses.

Many big-name companies also offer auto insurance discounts to teachers. Farmer’s (www., Liberty Mutual (, and State Farm ( are just a few of the larger companies that offer teacher discounts.

An internet search for teacher discounts for auto insurance will turn up dozens of sites to examine for low rates. Most sites offer quick, free quotes, so that you can compare the rates and coverage and see for yourself how much you can save.

The average discount for teachers is 10-15% of the regular premium rate. Younger teachers or those with less-than-perfect driving records may have higher rates than others, however. Even with the discounts, the type of vehicle you own, your age, location, and driving history all factor in to your final premium rate.

You can also check with your local school board for policies which are endorsed by your system. Many teacher credit unions and other entities offer low-cost auto insurance to their members.

As you search for a policy, keep in mind that rates vary significantly based on coverage, as well. Be sure that the “lowest price” covers you for all of the same incidents and at the same deductibles and liability levels as your current policy. A well-known trick of “low-cost” insurers is to advertise a price but to hope you will ignore the fact that you are not receiving as much coverage.

Finally, check your policy carefully for unneeded benefits. As a member of the teacher’s union or other organization, you may receive some of these benefits already. For example, many policies include a charge for towing services. If you have a cell phone plan or are a member of certain organizations, such as AAA, you may not need this coverage. Be sure to discuss with your agents ways you can reduce your benefit costs, but keep the coverage you really need.