Car Insurance for Teachers in Idaho

Teachers shape the youth to become intelligent and successful in life. From Kindergarten all the way into Ph.D. programs, students rely on teachers and expert educators to help them grasp concepts so they can use the information that’s covered later in life.

Teachers teach their students, but great teachers change lives by caring for the community.

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If you live in Idaho and you’ve always dreamed of being a teacher, you’ll have to build relationships with teachers so that your dream can become a reality.

Pursuing a post-secondary education is a must before you’ll be licensed and granted the right to instruct in front of a classroom of students.

Becoming a Teacher in Idaho

Every state has a different set of guidelines that prospective teachers must follow before they can teach. You need to check and see what the requirements where you plan on applying for your certificate so that you take the right college courses the first time around.

In the state of Idaho, you’ll need a minimum of a Bachelor’s in Education or a related area before you can start the application process for your teaching certificate through the American Board for the Certification of Teacher Excellence.

Anywhere from a Master’s to a PhD. will be required for higher level positions. If you earned a degree from an accredited institution and you pass your Praxis Exams, you’ll be given a three-year interim license to practice.

Teaching Opportunities in Idaho

If you’re interested in finding out what types of teaching opportunities you can take advantage of once you’re certified through the Board of Education, there are plenty of tools that you can use online. There’s a long list of areas with teacher shortages in Idaho.

Some of the many high need areas include:

• Art
• Political Science
• Basic Mathematics
• Automotive Technology
• Biological Science
• Consulting Teacher
• Dance
• Economics
• English
• Generalist
• Humanities
• History
• Physical Education
• Spanish
• Social Studies

Average salaries range from county to county. In Twin Falls, teachers earn an average of $47,130 per year but teachers in Boise average $54,157. You should search for current full-time and part-time listings to see how much the area you’d like to teacher in is paying right now.

Car Insurance for Teachers in Idaho

Anyone who owns a vehicle that has tags in Idaho is required to maintain an acceptable form of financial responsibility.

While you can post an indemnity bond or put up a deposit to satisfy the law, the most acceptable way to satisfy the statute in the state is to purchase and maintain motor vehicle liability insurance.

Minimum Auto Insurance Requirements

If you do elect to carry auto insurance to fulfill your auto insurance requirements, you have to have a minimum amount of liability coverage that pays for property damage and bodily injury claims submitted by other drivers.

Here are the minimum limits that are required under Title 49 of the Idaho Vehicle Code:

• $25,000 per person in Bodily Injury Liability
• $50,000 per occurrence in Bodily Injury Liability
• $15,000 per accident in Property Damage Liability

What does liability cover?

Auto insurance is required because of how much damage a vehicle can do. There’s never any guarantees that you will have access to the money that you need to pay for someone’s hospital stay or their fender if you’re in an accident.

By requiring insurance, you’ll have at least some insurance at all times. Here’s what each coverage pays for:

• Bodily Injury Liability – Pays for medical bills when someone is seen by a doctor or stays in the hospital after being injured in an auto-related accident
• Property Damage Liability – Pays to either repair property (if possible) or replace the property owned by someone other than the insured when it’s damaged in an accident you’re negligent for

– What other coverages are available to you?

If you buy only mandatory coverage, you’ll have financial protection only when someone else files a claim against you.

Having basic auto insurance does give you some peace of mind, but as a teacher, it’s better to research all of your options so that you can build a comprehensive policy. You can add the following coverage to your personal plan:

• Comprehensive – Pays for damage to your covered auto for damage as a result of a fire, theft, vandalism, flood, storm, or live animals after you pay a deductible
• Collision – Pays for damage to your covered auto after a collision or when the vehicle is in a rollover crash after you pay your deductible
• Medical Payments – Pays for you and your passengers’ immediate and reasonable medical bills
• Uninsured Motorist – Pays for you and your passengers’ medical bills and loss of income when you’re in an accident with someone who doesn’t have insurance
• Towing – Pays for towing when your vehicle is disabled after a breakdown
• Rental Car Reimbursement – Pays for a temporary substitute when your car is being repaired after a covered damage claim

– Supplemental Coverage Teachers Should Carry

Being a teacher can present some unique risks. You have to consider what you’ll be doing in your day to day life before you opt out when you’re offered supplemental coverage.

If you ever drive students, it’s crucial that you carry high limits for Medical Payments and Uninsured Motorist Coverage. This protects the students and also protects you from lawsuits.

Factors that Will Influence Teachers’ Insurance Costs

All of the factors that are used to determine your rates are called rating factors. As rating information changes, the premiums will change.

This is the prime reason why consumers pay different premiums for insurance even when they own the same cars.

The factors are believed to have an effect on claims risk for teachers include:

• How often you drive
• What time you drive
• Where you live and where you work
• How many miles you drive annually
• If you commute to work in your vehicle

Discounts on Insurance for Teachers

You might not have the best rate because of your claims risk but there’s still a way to keep your premiums for Idaho auto insurance down. There are insurance discounts that you’re eligible for because of your profession. Here are some of the savings to look for:

• Educator’s discount – Offered to teachers, professors and other educators by some insurers
• Organizational discount – For being a member of a professional teacher’s association
• Experienced driver – For teachers with more than nine years of driving experience
• Good student – For teachers who have a student in the home who earns good grades
• Good driver – For drivers who have maintained a clean driving record and accident history
• Multi-line – For policyholders with other lines of insurance through the insurer
• Multi-car – For policyholders who have two or more cars

Shopping Around for Auto Insurance in Idaho

The best way to find a good deal on your auto insurance in Idaho is to compare at least three or four policy premiums.

Think about the reputation of the insurer in addition to price. If you find a good deal, review your rates every renewal to see if they have changed. To get quotes in Idaho in an instant, use an online quote comparison tool.

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