No, National General does not have a teacher discount. Although National General does not offer special discounts for educators, teachers can still save with some of the National General’s other discounts, including a multi-policy discount, a safe-driver discount, and an anti-theft discount.
That said, car insurance companies like National General often take a driver’s occupation into account when calculating rates (in states where it is allowed). As a result, teachers might save simply because they are in a low-risk occupation for car insurance.
Insurance companies do not disclose their exact formulas for calculating rates, however. So comparing quotes between at least three companies is still the best way to find inexpensive coverage for teachers.
Yes, National General has a multi-car discount. To qualify for the National General multi-car discount, a customer must insure more than one vehicle on the same National General auto insurance policy. The discount automatically applies to a qualifying National General policy, but it does not compound, meaning you won’t get a bigger discount for insuring more vehicles.… read full answer
In addition to National General’s multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, safe-driver discount, and anti-theft discount, among others. For more information, check out the complete list of National General discounts. And if you’re unsure whether a discount that you qualify for is being applied to your policy, you can contact National General by calling (800) 462-2123.
You can lower your National General car insurance costs by taking advantage of National General discounts, opting for a higher deductible, and reducing your coverage, among other things. National General considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from National General
Use National General’s auto insurance discounts
National General offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount if they insure more than one vehicle with National General . Or you can save up to 54% on your premium if you're an OnStar subscriber and drive less than 15,000 miles per year.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from National General can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing save driving habits and avoiding moving violations can help you qualify for lower National General insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. National General even offers a discount to drivers who take an approved defensive driving course. However, this discount is only available to drivers who live in certain states.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, National General uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your National General premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from National General to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Finally, if you’re still struggling to afford your National General policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
You cannot get a National General affiliation discount, since National General does not offer discounts for members of affiliated companies or organizations, as some other insurance companies do. You can still save on a National General car insurance policy with other discounts, however, such as the paperless discount, safe-driver discount, or low mileage discount.… read full answer
If your organization is affiliated with a specific insurer, you may want to consider switching to that insurance company. If not, the best way to find car insurance savings is to compare multiple quotes in order to identify the cheapest policy for your needs.
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