Teacher's Insurance Plan review

Did you know that according to actuarial tables teachers are better drivers and are involved in fewer accidents?  Well, apparently they are and since the good Mrs. Xeno is a teacher we get to cash in.The Teacher's Insurance PlanWhen we made the decision to leave Geico, we were referred to The Teacher's Insurance Plan by their parent, Response Insurance Group.All application information was taken over the phone and a binder was offered immediately.  We were told that Veronica, being a teacher qualified for the teacher's plan and our policy that was identical to the one we had with Geico would now cost $814 less per year.  The policy was faxed to us for our review and acceptance.  Once we faxed the documents back to them, we made our first quarterly payment to them by Electronic Funds Transfer.  Within a week we had our permanent policy and insurance cards.Policies written by Teachers are annual policies.  The trend these days by many companies is to offer drivers six month policies.  This gives them greater opportunity to change premiums.A little backgroundThe Teacher's Insurance Plan was launched in 1992 and currently offers policies to drivers in Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Kentucky, Maryland, Missouri, New York, Ohio, Pennsylvania, Texas, Virginia, and Washington.  They are headquartered in Meriden, CT.Customer ServiceCustomer Service is provided either over the telephone or on-line.  The few occasions we have had to require customer service have been drama-free, courteous experiences.Claim ServiceThe Plan offers 24-hour Claim Service over the telephone and of course on-line.  To date, the only claim we have made was for the replacement of my windshield that was cracked by a pebble coming off a dump truck that was traveling in front of me on the Florida's Turnpike.No one likes to call the claim service and I'm no different.  But I placed the call which was answered within moments and after explaining the claim to the representative, he made an appointment for their glass replacement people (Safelite) to replace the windshield the next morning in my driveway.  I liked that a lot.  What I also liked was that in Florida, there is no deductible on windshield damage.  I have no idea why, but I do like it.Payments and Account MaintenancePayments can be made by mail, phone or on-line.  We prefer to maintain our account entirely on-line.  If you pay either monthly or  quarterly a small account maintenance fee is added.  Their web-site is well designed and easily navigated.My ViewpointWe are now starting our third year with them.  In the beginning I'll admit that I thought we might have been lured in with a teaser rate for the first year.  But we have been delighted with their renewal rates, customer and claim services.  They've offered us superior service and a great value.  It's hard to beat that combination.  I highly recommend The Teacher's Insurance Plan.  Try them if you can.Regards,Rudi