Summer Skip – Just One Way to Save On Your Insurance

We could all use a little more savings these days. While some insurance companies made a splash with payback promotions, California Casualty quietly worked with our customers to provide personalized savings solutions. By following the tips below, you, too, can save on your auto and home insurance – in some cases more than the percentages and dollar figures that made recent headlines.

Here are simple ways you can SAVE MORE on your insurance:

  1. Choose a Summer Skip Payment Option – adjust your payment schedule to EZ Pay and choose two summer months that you wish to skip (June/July or July/Aug or Aug/Sept).  
  • Buy Auto and Home/Renters From the Same Company – take advantage of significant discounts when your home or renters insurance is combined with your automobile insurance. In some cases, the savings “pays for” your renters policy.
  • Increase Your Deductibles – the amount you’ll save each month could add up, especially if you are incident free for a number of years. Just make sure you can cover the higher deductible in the event something happens.
  • Seek Out Additional Discounts – ask about discounts that were not applicable when you purchased your policy, but are now. A quick policy review with Customer Service is usually all that is needed.
  • Quote with California Casualty if You’re With Another Carrier – the member-only rates and educator-specific benefits offered through the NEA Auto and Home Insurance Program could offer significant long-term savings.  

If you’re a NEA Auto and Home Insurance policyholder, please reach out to California Casualty’s Customer Care Team at 1.800.800.9410 and select option 3, or email . You can also visit our website at to chat with an online Customer Service Representative.

California Casualty has been serving the needs of educators since 1951 and is the only auto and home insurance company to earn the trust and endorsement of the National Education Association (NEA). As a result, NEA members qualify for exceptional rates, deductibles waived for vandalism or collisions to your vehicle parked at school, holiday or summer skip payment plans and free Identity Defense protection – exclusive benefits not available to the general public. Learn how to save by getting a quote at, or by calling 1.800.800.9410.



It seems as if there is some confusion about how auto insurance rates are set. Premiums have been going up, sometimes when a driver hasn’t had an accident or claim.

The reality is that Insurance companies are finding more of us are on the roads thanks to cheaper gas and an improving economy. As we drive more miles, the result has been an increase in crashes and the amount of money insurance companies are paying out. The cost to fix or replace vehicles damaged by fires, hail and flood has also increased the past few years. These costs are forcing insurance companies to charge more for coverage.

You may be wondering what other factors affect your auto insurance costs. To help you understand how insurance companies determine what they charge, we thought we’d dispel some misconceptions. Buckle up and enjoy the ride as we separate fact from fiction.

Insurance Myths

Myth 1: The color of your vehicle determines what you will pay for auto insurance.

Fact: We’ve heard it too, but it is just not true. Think about it, have you ever been asked what color car you drive when you’ve bought insurance? Most insurers want to know if the car you drive is a Ford or Ferrari, what kind of driving record you have, where you live and the miles you drive each year.

Myth 2: Older drivers pay more for auto insurance.

Fact: Many drivers over 55 years of age can qualify for a reduction in auto insurance rates if they successfully complete a safe driving course or meet other requirements. Many insurance companies consider a healthy, retired driver who only uses the car sporadically and has a clean driving record a better risk than someone in their teens or early 20’s.

Myth 3: Your state’s minimum liability auto insurance requirements are enough to protect your assets.

Fact: You may have insurance, but if you only have your state’s minimum liability requirements, you probably aren’t adequately protected. Medical costs are soaring and injury lawsuits following crashes are rampant. With minimum liability, if you are found “at fault” for an accident in which others were hurt, you could be paying out of pocket for lost wages, pain and suffering and medical expenses that could easily add up to much more than your liability limits. Losing a lawsuit could also mean having to sell your home and having your future income garnished to pay those bills.

Myth 4: Your auto insurance policy covers damage to your car from a crash or if it’s stolen.

Fact: Not unless you purchased comprehensive and collision coverage. Both are optional with most auto insurance policies and pay when your vehicle is crunched in a crash that you caused, or is damaged by flood, fire, windstorm, vandalism, animals or if it is stolen. If you don’t have comprehensive and collision coverage, you’ll pay out of pocket to repair or replace your vehicle if something happens.

Myth 5: Your personal auto insurance covers business use of your vehicle.

Fact: Most personal auto insurance policies exclude business use of a vehicle. If you are using it to deliver pizzas, or you’ve signed on as an Uber or Lyft driver, you may need a commercial auto insurance policy. You should talk to an insurance advisor as soon as possible.

How to Reduce Insurance Costs

Here are some things you can do to reduce the amount you pay for auto insurance:

  • Check for good driver/good student discounts
  • Research insurance costs when buying a new vehicle
  • Combine your insurance (auto with your home or renters, or if you and your spouse or partner have individual policies)
  • Reduce your commute (ride a bike, use mass transit or move closer to where you work)
  • Increase your deductibles
  • Clean up your credit score
  • Get a policy review

If you haven’t looked into the NEA Auto and Home Insurance Program from California Casualty, you are missing exclusive benefits for NEA members not available to the general public:

  • Deductibles waived or reduced for vandalism or accidents that occur when your vehicle is parked at work
  • Personal property damaged or lost in a collision, fire or taken from your car is covered up to $500
  • Rates guaranteed for a full year (not six months)
  • Free identity theft protection with each policy
  • Multiple payment options including E-Z Pay and holiday or summer skips

Contact a California Casualty advisor today. You might be surprised at the savings and all the benefits you qualify for as an educator at 1.800.800.9410 or



Fall is here and you’ve finally begun to settle into a routine at work and home, but you’re also noticing some kids are starting to act up and maybe you’ve even noticed you’re struggling to maintain momentum. Between lesson-planning, grading and parent teacher conferences, you may be feeling a bit maxed out- but the Holidays will be here before you even notice. Whether you’re looking for ways to start prepping for holiday travel and shopping, or you need tips on retirement planning before Open Enrollment ends, has tips and advice that will help you make it to Winter Break.

  • Protecting yourself and your family is so important we have a new section of our site dedicated to helping you figure out how. Learn how to protect the Moments that Matter, myths about life insurance, and more resources to make sure everyone is taken care of.
  • If you’re planning to save time and money by doing holiday shopping online, make sure to find out more about how to do so safely. During National Cybersecurity Month we’re going to have the information you need to know to make sure you are safe and secure online. Find all this and more at
  • Already thinking about Winter Break? We have the breakdown about what’s new at America’s Theme Parks, as well as incredible deals on cruises for National Plan A Cruise Month. We also have tips and tricks on how to plan hassle-free holiday travel planning. Go to
  • Winter is coming- make sure your car is ready by checking out our Car Care Checklist. We also have information on the NEA Auto Buying Program, just in time for the end of the model year so that you can get the best possible deal out there.
  • Open Enrollment Season is about to end- have you made sure you’re saving everything you need so that you’re able to enjoy your retirement when that time comes? Run the numbers on our Retirement calculators and read more about how to boost your savings by investing outside of your pension.
  • Don’t forget about the Life Insurance Awareness Month Sweepstakes for a chance to win up to $500! Contest ends October 15!


This summer rest your mind and your budget.

As an educator, you do so much throughout the school year. Here’s your chance to take a break from the routine and give your budget a break, too.

The NEA Auto and Home Insurance Program, provided by California Casualty, offers NEA members great rates on auto and home/renters insurance along with flexible payment options, including Summer Skip.  (ANOTHER GREAT REASON TO INSURE WITH CALIFORNIA CASUALTY.)

You Choose

This payment option is designed for educators and enables you to skip your auto and home insurance payments during the two summer months that matter most to you.

California Casualty wants to help you maximize your summer fun without worrying about auto or home insurance bills. It’s simple to set up: just contact a California Casualty insurance advisor at 1.800.800.9410, or visit

Enjoy your summer break and know that California Casualty is there when you need them. Learn more about your NEA Auto and Home Insurance Program benefits, including EZ Pay options and Holiday/Summer Skip, at

From the IEA President

"IEA Member Benefits program provides education professionals with savings, discounts, products and services to enrich their professional and personal lives. This is an amazing program and an added benefit to being a member of the Idaho Education Association."

Layne McInelly
Idaho Education Association

Contact Info

208.344.8336 / 800.223.6583

IEA Member Benefits Corporation
620 N 6th Street - Boise Idaho 83702

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