Auto Insurance for Librarians (Rates & Discounts)
It is relatively easy to find affordable auto insurance for a librarian. Some of the top insurers offer job-specific discounts for educators and public librarians. For instance, if you have an ALA membership, you can lower your rates with GEICO. You could enjoy up to $1,000 or $2,500 in personal property coverage with Horace Mann or Liberty Mutual, respectively. Use or free quote tool to compare prices with companies that offer public librarian benefits.
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UPDATED: May 10, 2021
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- Librarians tend to save on their auto insurance because they are low-risk drivers.
- Several local and top insurance companies offer specific educator discounts and public librarian benefits.
- Librarians can find many ways to save on their auto insurance whether they choose companies with special or standard discounts.
If you are a librarian, you can benefit from auto insurance discounts. One of the benefits of being a librarian is a low-risk rating from car insurance companies. As a result, librarians will often have lower monthly rates than the average driver.
Besides low-risk ratings, there are a few insurance companies that reward educators based on their profession. Some of the best auto insurance companies even cater specifically to librarians.
Read on to know more about public librarian benefits that insurance companies offer. And when you are ready to compare quotes, you can enter your ZIP code into the free quote tool above.
Why is a librarian considered low risk?
Librarians may be low risk based on a few factors:
- Age. According to a 2020 Bureau of Labor Statistics survey, the median age for an educator is 43-44 years old and a librarian’s median age is 49 years old. Drivers aged 40 years old pay lower rates than their younger counterparts.
- Location. If a librarian works at an elementary or secondary school, they might need to commute during rush hour. However, school employees and public librarians tend to work close to their homes, meaning that they will drive less.
- The likelihood of filing claims. Librarians tend to file fewer claims, which helps keep their insurance rates low.
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Auto Insurance Companies That Offer Public Librarian Benefits
Some of the major auto insurance companies offer fantastic benefits for librarians since they also offer discounts on auto insurance for teachers. These companies include GEICO, Horace Mann, Liberty Mutual, McClain Insurance, and Meemic.
GEICO partners with the American Library Association (ALA) through the ALA’s Member Value Program (MVP). ALA members can save on their car and home insurance, as well as car rentals.
Horace Mann and Liberty Mutual both offer $0 deductibles for car damage on school property or during school-sponsored events.
These companies also offer reimbursements for personal property loss in insured cars. Horace Mann’s maximum payout is $1,000. Liberty Mutual’s maximum payout is $2,500.
McClain offers educators lower auto insurance rates and up to 15% off on their home insurance. Schools that partner with McClain can cover all school employees, regardless of their teaching status. Retired employees can also keep their McClain plan.
Meemic gives public librarians affordable auto insurance. Librarians can also bundle their auto coverage with home, condo, and personal property insurance. However, Meemic is only available in Georgia, Illinois, Michigan, and Wisconsin.
Other Ways Librarians Can Save on Their Car Insurance
Of course, you can pay lower insurance rates by looking for standard discounts, including safe driving and low-mileage discounts. You can also bundle coverages based on your personal needs.
Companies that offer safe driving discounts include Allstate, Farmers, GEICO, Progressive, and State Farm. Most of these companies also allow you to save with bundles. Some may even partner with companies to provide librarian health insurance.
Additionally, some insurance companies offer discounts based on your education level. Many librarians have bachelor’s degrees, and they can find discounted auto insurance for bachelor’s degree holders.
Make sure that these discounts are available in your state.
Auto Insurance for Librarians: The Bottom Line
As a librarian, you are in luck when it comes to finding auto insurance discounts. Whether you choose an insurance company that caters to drivers in your profession or you find a cheaper plan, you have plenty of options.
Begin your search by comparing quotes from top and local car insurance companies. We can help you out after you enter your ZIP code in the free quote tool below.