No, The Hartford does not have a teacher discount. Although The Hartford does not offer special discounts for educators, teachers can still save with some of The Hartford’s other discounts, including a bundling discount, a defensive driver discount, and a driver training discount.
That said, car insurance companies like The Hartford 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, The Hartford has a multi-car discount. To qualify for The Hartford's multi-car discount, a customer must insure more than one vehicle used for regular driving on the same The Hartford auto insurance policy. The discount automatically applies to a qualifying The Hartford policy, but it does not compound, meaning you won’t get a bigger discount for insuring more vehicles.… read full answer
In addition to The Hartford’s multi-car discount, the company offers other ways for customers to save money on their premiums, such as the bundling discount, defensive driver discount, and driver training discount, among others. For more information, check out the complete list of The Hartford discounts. And if you’re unsure whether a discount that you qualify for is being applied to your policy, you can contact The Hartford by calling (800) 423-6789.
You can lower your car insurance with The Hartford by taking advantage of discounts, opting for a higher deductible, and reducing your coverage, among other things. The Hartford 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 The Hartford
Use The Hartford’s auto insurance discounts
The Hartford offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount [of up to 5% if they bundle their auto and homeowners insurance . Or you can save on your premium if your policy covers a high school or college student who maintains at least a 3.0 GPA.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from The Hartford 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 safe driving habits and avoiding moving violations can help you qualify for lower rates from The Hartford 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.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, The Hartford 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 premium with The Hartford.
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 The Hartford to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for TrueLane
TrueLane, The Hartford's telematics program, rewards you for good driving with a discounted premium. Specifically, TrueLane tracks the time of day that you drive, miles driven, braking, distracted driving and acceleration. By using TrueLane, drivers can save up to 25% on their rate.
Finally, if you’re struggling to afford your policy with The Hartford, 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 The Hartford affiliation discount, since The Hartford does not offer discounts for members of affiliated companies or organizations, as some other insurance companies do. You can still save on a The Hartford car insurance policy with other discounts, however, such as the safety features discount, defensive driver course discount, or paid-in-full 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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