Specialized Auto Insurance Discounts & Coverages for the Educational Community
There are plenty of twists and turns on the road of life. By working together to create a personalized policy, we’ll help you stay protected. Ask your agent for more details about additional coverages, endorsements and discounts.
Plan Benefits
Small-Claim Forgiveness
Your policy premiums won’t increase due to a small claim under $750.
Essential, Advantage, Ultimate
Claim Forgiveness Loyalty
You’ll earn claim forgiveness for being insured and claim free with us for five years, protecting your premium from increasing following an accident.
Advantage, Ultimate
Claim Forgiveness Ultimate
Select this option as part of our Ultimate Plan and receive an additional claim forgiveness opportunity immediately upon purchase.
Ultimate
Claim-Free Rewards
You’ll earn cash back or a renewal credit, 3% up to $50, for remaining claim free every policy term.
Ultimate
The Educated Choice (R) Repair Program
When you bring your vehicle to a shop pre-approved through The Educated Choice (R) Repair Program, you can be assured of timely service, first-rate repairs and auto repairs that are guaranteed for as long as you own the vehicle.
Essential, Advantage, Ultimate
Disappearing Deductible
Watch your Comprehensive and Collision deductible disappear by $50 on each vehicle for every policy term you are claim free, up to a max of $500.
Ultimate
Included and Optional Coverage
Enchanced Total Loss Replacement
If your car is a total loss after a crash, we’ll pay to replace it with a new model. 1
Optional
Loan/Lease “Gap”
We’ll cover the gap in what you own on a loan or lease if it exceeds the actual cash value of your vehicle at the time of a total loss.
Optional
Waived deductible for Covered Auto Losses
We’ll waive your deductible if you experience a covered comprehensive auto loss – like vandalism – on school property and covered collision losses when entering or exiting K-12 school property that are reported to the police.
Included
Enhanced Exterior Repair Option
Get original exterior parts from manufactuer (OEM) instead of aftermarket parts. Exludes window glass and mechanical parts.
Optional
Special Liability Coverage
Special liability coverage when you occasionally give students a ride to or from K-12 school or school events.
Included
Transportation Network Company (TNC)
Should you drive for a ridesharing company, this option could help to fill the gap in coverage that your ridesharing company does not provide.
Optional
Participatory Discounts
New Teacher Discount
Discount available for Members holding a teaching certificate issued prior to 7 years of the policy term effective date.
Paperless Discount
Receive your documents electronically and save. Required in the Essential Plan.
Advance Purchase Discount*
Save when you purchase your policy a select number of days in advance of the policy's effective date.
Pay in Full Discount
Pay your policy premium in full within 7 days of the policy effective date and get a discount.
Automatic Payment Deduction (EFT)
Sign up for an automatic payment (EFT) plan when you purchase your new policy and/ or at renewal and help simplify your life and save money.
AAA Membership Discount
A discount on Meemic Insurance for having a AAA Membership.
Multiple-Product Discount
Have a home, condo or renters policy through an eligible insurance company and save
Franchise Group Discount
A premium discount may be available based on the Franchise Group status.
Household / Driver Discounts
Multiple-Car Savings
Save when you insure more than one vehicle with Meemic.
New Young Driver Discount
On existing policies where a driver, under the age of 20, is added to your policy.
Good Student Discount
For students who maintain a B (3.0) or better grade point average.
Student Away Discount
While students are living away at school without a vehicle.
Prior Insurance Tenure
When you switch to Meemic from an approved carrier, your discount increases based on your tenure with your prior carrier.
Vehicle Discounts
Vehicle Safety Discount
For vehicles that have certain factory-installed safety devices.
Anti-Theft Device Discount
For vehicles equipped with a theft prevention or theft recovery device.
1 Optional coverage that is available for an additional cost. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurrence time period and mileage requirements.
* Discount applies to select coverages only.