Car Insurance for Teachers in Minnesota

If you are a teacher in Minnesota, we salute you. Teaching is not an easy job. People think that teachers have it easy and that they just work from 8:00 in the morning to 3:00 in the afternoon. But we know better.

Teachers work during their off hours, too. They take home papers they have to grade and record, work on projects at home, copy worksheets, type up tests on their home computers, and much more.

Enter your zip code above to find the best auto insurance for teachers in Minnesota!

Tasks of a Teacher

The tasks of a teacher include everything from classroom management, record keeping, and understanding the needs of a rapidly growing and diverse student population.

Teachers know that to become a teacher in Minnesota, you need a four-year degree from an accredited institution such as a college or university with an education program.

You are required to learn about the history of education, the current trends of learning and teaching, and to use technology to further the educational goals of the state.

Options in Teacher Placement

Teachers in Minnesota can focus on different levels of development including:

• Pre-K – Early childhood educators are special people who love watching young children grow and learn in the early years.
• Elementary school – Elementary teachers help shape and mold students’ learning and help them meet state standards in the formative years.
• Middle school – The middle grades are an important transition time and teachers working with these kids have a chance to help them reach their goals and learn important skills.
• Junior and high school – Jr. High and Highschool teachers have the privilege of helping older students prepare for life beyond graduation and planning their college or other post-graduation plans.
• Gifted and talented – Gifted and talented teachers help with programs that offer gifted kids a chance to bloom in their area of ability.
• Special education – Special education teachers are passionate, dedicated, and especially patient people who help kids with special needs to excel and find their strengths. Most special needs teachers study one disability in particular, though they encounter children with a wide range of physical, behavioral, and mental impairments.

There are advantages to all levels, and some teachers report that they love teaching younger children who are just beginning to learn while others enjoy the older kids whose skills are more advanced and adding to their learning.

Some teachers decide to move onto the college environment or teach in a community college or trade school so that they can work with adults who are learning skills to help them further their careers.

Teachers may work in an adjunct position, which means they may hold a full-time job somewhere else while teaching on an intermittent basis for a local college or high school.

Adjunct teachers usually have an independent contracting status while full-time teachers usually have access to all of the benefits of full-time employees with the school district in which they teach.

Car Insurance for Teachers in Minnesota

There are many benefits to teaching, including the benefits package that school districts in Minnesota typically offer teachers. But car insurance is not included in this.

Auto insurance is considered an independent product that teachers must purchase outside of their regular benefits package. But the good news is that there are some discounts that teachers can receive from auto insurance companies because of their profession.

Minnesota Insurance Requirements

First of all, it is important that you carry the minimum state insurance requirements on your vehicle. These minimums include:

• Bodily injury liability – The minimum bodily injury liability in the state of Minnesota is $30,000 per person and $60,000 per accident.
• Property damage liability – The property damage liability minimum is $10,000.
• Personal injury protection – Personal injury protection amount required in Minnesota is $40,000. This protects you from legal action in the event that your main insurance coverage is not enough to cover injuries or damage.
• Uninsured motorist coverage – This type of coverage covers situations where the other driver was not carrying insurance. The required amount for Minnesota residents is $25,000 per person and $50,000 per accident.

Optional Coverages

In addition to the above types of coverage, you can also carry collision and comprehensive insurance. Collision covers repairs and replacement to your car in the event of damage in an accident.

Comprehensive insurance covers anything not related to an accident, such as theft, vandalism, or weather-related accidents such as hail or floods.

Remember that someone can still attempt to sue you if you cause injury or damage to them that your insurance won’t cover. But there are limitations to this because the court views insurance as a protection from unrealistic lawsuits that attempt to collect more than they are entitled through civil actions.

A basic insurance policy will cover you for most situations, but if you drive often or take frequent trips or carry others in the car with you, you may want to consider increasing your coverage to ensure that you have enough.

Special Considerations for Teachers in Minnesota

One consideration that you will want to take into account is whether you will be driving students to school events or helping with school activities in this way.

Any time you take on the responsibility of transporting students, you are taking on a legal risk. Remember in a lawsuit; schools cannot be sued in court. But individuals can.

You should protect yourself from civil actions and liability by carrying more than the minimum if you have an advanced risk of accident with others in the car.

Factors that Influence Teacher Insurance Costs

Some of the factors that influence insurance costs include:

• Your age
• Your gender
• Your zip code
• How often you drive
• Your credit history
• Your driving record

All of these factors are actually factors that influence any driver’s insurance costs, not just those of a teacher. But the student factor of taking students to school events is certainly an important one that may affect rates and levels of risk.

Discounts on Insurance for Teachers

There are discounts available for teachers including the following:

• Educator discounts – Educators discounts may include special prices for teachers that give them a break in their premiums for being a teacher.
• Standard discounts – Standard discounts may also be available to teachers for good driving records, student discounts, and others.

Other teacher discounts that Minnesota teachers may qualify for include:

• Experienced driver
• Good driver
• Multi-line policy
• Multi-vehicle policy
• Driver training courses

Shopping Around for Auto Insurance in Minnesota

The key to getting the best rates, discounts, and coverage with your auto insurance is to shop and compare policies online. You can browse our site and get free auto insurance quotes while thinking about the types of coverage that you need to feel secure.

Remembering that insurance is always a judgment call between your level of risk and the cost of your premium, there are plenty of incentives for teachers to obtain adequate coverage that will give you that extra peace of mind.

Enter your zip code below to access car insurance rates from top companies in Minnesota today!