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We assume you're either a teacher who believes the least society can do for the put-upon members of your profession is cut them a break on insurance, or a student hoping teachers pay through the nose just like the rest of us. No matter. We found that some insurers do indeed offer discounts to teachers. An article on MSN Money told us "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." Why? "...discounts...are based on some assumptions the company made about teachers:
They have a stable occupation, stable employment, and they understand they are under scrutiny by the community." Some insurers will also cut premiums for engineers, as, according to Edmonds.com, "drivers that work as engineers tend to get into fewer accidents." In fact, according to at least one insurance company, a correlation between occupation and risk exists right down the line. Thus, scientists usually pay the lowest rate, business owners the highest. Besides job type, other factors that can affect the cost of your premium include
geographic location, driving record, prior claims, credit history, gender, age, car make and model, and whether or not you're Mel Gibson. Happy check writing.
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