Was it $5000 cheaper than the cheapest non-group quote from RBC? The premium different between group and non-group usually isn't that significant.
Group rating usually applies the insurance company's regular rating algorithm to calculate your rate, but then determines a discount based on the favourable claims experience of the group as a whole. If the school board happens to have a large pool of drivers who are rarely at fault in collisions and cause few damages, then this will be rewarded by a good group discount.
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