Instructor/Coach/TA Car Insurance Rates

Instructor/coach/TA car insurance rates are $151/mo. Due to minimal travel and a presumed higher maturity level, instructor/coach/TA car insurance rates tend to be lower than others.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 18, 2020

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Here's what you need to know...

  • Because instructors, coaches, and teachers assistants tend to be reliable and safe drivers, they pay less than average car insurance rates
  • Many personal factors affect car insurance rates
  • Your driving history has a big impact on your premiums

The average car insurance rate for instructors, coaches, and teachers assistants is lower than the national average in the United States.

Start your search for the best car insurance rates by entering your ZIP code on this page!

Car insurance companies determine your rate based on the risk involved. As a business, the importance is in the bottom line. Your insurance carrier determines the likelihood that you will file a claim.

As long as you do not file a claim, the insurance company remains profitable in the relationship.

How does occupation affect auto insurance rates?

Occupation tends to affect your car insurance rate indirectly. One of these factors is how often you drive your vehicle for your job. If you use your vehicle for your job, this will certainly increase your rate.

The more time you spend on the road, the more likely you will be in an accident.

As an instructor or coach, you shouldn’t have to use your vehicle for your job. The amount of driving you do pertains to your specific situation more than it does your occupation.

How far you live from where you work may have some effect on your insurance rate.

If you ever move closer to your job or take a different job closer to your home, you may be entitled to a cheaper insurance premium.

Instructors, coaches, and teachers assistants are also considered to be safer drivers. The personality associated with this profession indicates a higher level of maturity and a less aggressive personality.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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What other factors affect my car insurance rate?

More so than occupation, your car insurance rate is dictated by your specific circumstances. This is primarily determined by your driving history.

  • Car insurance companies will look at the last three years to find any speeding tickets, accidents and claims. The more claims and speeding tickets you have in the last three years will increase your car insurance premium. If you know that a speeding ticket is going to be more than three years old then your insurance rate should drop.
  • All drivers under the age of 25 are considered high risk. If you or anybody on your insurance policy falls into this age group, your insurance rate will be higher.
  • Males in this age group may also cause a higher rate versus female drivers in the same age group.
  • The amount of crime in the area you live also plays a factor in your insurance rate.

Living in a high crime area will increase the probability that your car will be vandalized or stolen. The same may apply if the place you work falls into a high crime neighborhood.

Car insurance companies will have lists for specific areas determining which cars are most often stolen. If your vehicle falls on this list, you will also pay a higher insurance premium.

How can I save money on my car insurance?

The best way to save money on your car insurance is to regularly check with other carriers to find the best quote. Insurance companies have various ways that they are able to provide discounts to drivers.

If you currently have other insurance policies through different carriers, you can save money by using the same insurance carrier for all of your insurance needs. Having multiple vehicles also will result in a discount.

Depending on the carrier, there are ways to save money based on how you make your car insurance payment. If you are able to make the payment in a lump sum every time the policy renews, this is usually the cheaper option in the long run.

If you are unable to pay the lump sum upon renewal, there may be another way to save. Some companies will discount your rate if you agree to have them withdraw the monthly or quarterly payment amount directly from your checking account.

This gives the insurance company assurance that your payments will be made on time as long as there is enough money in your account.

There is always an opportunity to save money by dialing back your coverage. You can still have full coverage while decreasing the coverage amounts for property damage and bodily injury.

Speak with an insurance agent to find out how much money can be saved and if it is worth it for your specific situation.

Get your FREE car insurance quote by entering in your ZIP code below now!

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