The words “bargain” and “insurance” really shouldn’t be used together, specifically when you are looking for the lowest insurance prices for teachers. To help control this cost, let’s introduce you to some things that help determine insurance premiums, and find out if you can slash the price of the next policy you buy.
The type of vehicle needing coverage is one of the largest factors that determines if you can find cheaper auto insurance for teachers. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models. The next table showcases insurance prices for a selection of the most affordable automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $832 |
| Ford Edge SE AWD | $964 |
| Honda CR-V EX-L 2WD | $973 |
| Chevrolet Equinox LS AWD | $983 |
| Toyota RAV4 Limited 4WD | $992 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $997 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,002 |
| Ford Escape XLS 2WD | $1,018 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,035 |
| Ford F-350 XL Crew Cab 2WD | $1,072 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,077 |
| Ford Focus SE 4-Dr Sedan | $1,105 |
| Honda Accord LX-S 2-Dr Coupe | $1,107 |
| GMC Sierra SLT Crew Cab 4WD | $1,122 |
| Kia Optima SX | $1,126 |
| Chevrolet Malibu Hybrid | $1,131 |
| Toyota Prius | $1,130 |
| Get a Custom Quote Go | |
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can lower or raise price quotes greatly.
Looking at the rates, you can figure that cars like the Hyundai Elantra, Ford Edge, Honda CR-V, Chevrolet Equinox, and Toyota RAV4 are going to be some of the less-costly vehicles to insure for teachers and educators.
Trying to buy cheap auto insurance is not always easy, and deciding which companies have the most affordable auto insurance rates for teachers involves a little more work.
Every car insurance company uses their own calculation to determine premium rates, so let’s begin by taking a look at the auto insurance companies that tend to be cheaper in Irvine.
Find the Cheapest Car Insurance for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,186 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | GEICO | $1,529 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,556 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,699 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
| Get Personalized Rates Go | ||
USAA generally has some of the cheapest car insurance rates in Irvine at around $1,155 per year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the lowest-priced Irvine, CA auto insurance companies.
As shown in the table above, if you have coverage with CSAA and switched to USAA, you may see savings of roughly $31. Insureds with Nationwide may save as much as $71 a year, and 21st Century policyholders might reduce prices by as much as $183 a year.
To see how much you can save, click here to start your custom quote or visit several of the following companies.
Bear in mind that those premium estimates are averages across all insureds and vehicles and are not factoring in a specific zip code for teachers. So the car insurance company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.
How to get discounts on Irvine insurance
Insurance providers that provide policies for teachers could also offer discounts that could lower prices by as much as 35% or more if you are eligible. The best auto insurance companies and their possible discounts are included below.
- Progressive offers discounts including continuous coverage, homeowner, multi-vehicle, online quote discount, and good student.
- GEICO has savings for anti-lock brakes, multi-vehicle, military active duty, five-year accident-free, and driver training.
- State Farm may have discounts that include passive restraint, safe vehicle, accident-free, student away at school, and good driver.
- Esurance discounts include safety device, good driver, anti-lock brakes, online shopper, and anti-theft.
- The Hartford includes discounts for defensive driver, bundle, driver training, good student, vehicle fuel type, anti-theft, and air bag.
The information below visualizes the comparison of car insurance costs with and without discounts applied to the rates. The price estimates are based on a male driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, marriage, multiple vehicle, defensive driving course, claim-free, and safe-driver discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for teachers is 28% or $640.
The information below demonstrates how deductibles can raise or lower yearly insurance costs when searching for cheap insurance for teachers. The data is based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could pocket $506 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $762 by switching to a $1,000 deductible. Young drivers, like the age 20 example, can save up to $1,674 each year by using higher deductibles when buying full coverage.
If you do raise deductibles, it is necessary to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Irresponsible driving raises your rates
The recommended way to score the best auto insurance premiums in Irvine for teachers and educators is to be a careful driver and avoid accidents and traffic citations. The chart below demonstrates how speeding tickets and fender-benders raise premium costs for each different age category. The prices are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance per year with no violations or accidents is $2,558. Factor in one speeding ticket and the average cost swells to $2,880, an increase of $322 each year. Then include one accident along with the one speeding ticket and the annual cost of auto insurance for teachers goes up to an average of $3,790. That’s an increase of $1,232, or $103 per month, just for not being a responsible driver!
If you would rather have a little guidance when shopping around for cheaper insurance for teachers and educators, the agencies below are a good start to answer your questions and help you decide which policy is best. To find an agent nearest to you, click the button below the list.
- Blackwell Insurance
23002 Lake Center Dr – Lake Forest, CA 92630 – (949) 421-0222 - State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600 - Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100 - Church and Casualty Insurance
3440 Irvine Ave # 150 – Newport Beach, CA 92660 – (949) 852-8558 - Mike McCain – State Farm Insurance Agent
1442 Irvine Blvd #204 – Tustin, CA 92780 – (714) 734-8300
Find an Irvine, CA insurance agent near you
How to find the cheapest insurance for teachers
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help California drivers quote cheap coverage.
- Do not pay for comprehensive and collision coverage on older vehicles
- Remain accident-free and save
- Pay for small claims rather than turning them in to your insurance company
- Safe vehicles cost less to insure
- Bundle home and auto and save
- Ensure your driving record is clean
- Compare rates and switch if you can find a better deal
The final tip is notably necessary, as we hit on in the prior information. Coverage rates can change considerably in a year, so you should be ready to buy a different policy if a more affordable price is available.
Having a favorite company is fine, but it’s not recommended if that stubbornness costs you a fortune every year. If you have a few minutes, compare prices and find cheaper car insurance for teachers in Irvine.