For individuals that are still in school, getting student car insurance is very common. If you are still a student (e.g. in high school or at a university) and have a car, you are probably looking to find a good rate on a student auto insurance policy. Although there are some great ways in which you can save money as a student on your auto insurance, if you fall within the age range of 16 years old to 25 years old – you are going to pay more than average. This is primarily due to the fact that your age puts you in a “higher risk” group. Even if you are going to school and learning to make smart decisions, insurers cannot ignore accident rates and damage rates of teenage drivers.
How To Get Cheap Student Car Insurance
If your goal is to get the cheapest student car insurance, I’m going to let you know right now that there is no single company that offers the “lowest rate for every student.” However, what you can do in order to find the insurer that provides the lowest price for you is to get student car insurance quotes. I recommend that you consider a bunch of companies in your quote gathering process. Consider companies like Geico, Progressive, State Farm, Allstate, Esurance, etc.
Also look up other companies in your area so that you don’t only consider the mainstream (e.g. well-known) insurers for your policy; sometimes you may find an independent (smaller) insurer that provides better deals for students. The company that offers the best student car insurance quote (e.g. the best cover for the cost) is who you will probably want to end up buying coverage through. But, before you ever buy a policy, make sure that you read a general overview of the policy that you are buying as well as reviews of the company to make sure that they provide quality services.
How To Get Lower Prices For Student Car Insurance
Know your discounts – Do you know all of the ways in which you could save as a student? Usually insurers accommodate by offering special savings to student drivers. In order to get the lowest cost car insurance that you can, you will want to know the discounts that you should try to earn (if you do not yet qualify). Discounts may save you 10%, 15%, 20% or more if you have enough of them built up.
Look at different companies – Don’t forget to take a look at different companies in your insurance selection process. Each company is likely going to be slightly different when you get quotes for students, so consider them all. You may find a great deal with a company that you didn’t even know existed or with a provider that you didn’t expect to be insured through.
Set mileage limits – In order to get a better deal on your students car insurance cover, make sure that you are driving as infrequent as possible. Most insurers will allow you to save some extra money if you agree to drive your car less than a certain number of miles per month. Each insurer differs with mileage-based savings, so talk to yours to see whether you can save more by driving less.
Drive safely – If you want to get the cheapest car insurance for students, you will practice safe driving habits. Although driving safe does not guarantee that you won’t get into an accident, it does reduce your risk. Avoiding risky behavior on the road is smart and will keep you out of trouble. When you stay out of trouble, your insurance rate will drop because you will be eligible for further discounts (e.g. accident free savings and no claims bonuses).
Student Car Insurance Policies
Finding student car insurance does not need to be difficult. In fact, if you do as much research for your auto insurance coverage as you do for a term paper, project, or final exam, you will definitely be able to find a good rate (that is of course if you are a good student). Anyways, I hope that you are able to find an auto insurer that offers you some good savings and affordable coverage so that you can keep some money in your bank account or have a little bit extra for tuition.
Finding the Cheapest Car Insurance for Student Drivers
With freedom comes responsibility as a student. If you are off to college and have your own car, it is great to know that you can travel by yourself anywhere at anytime. However, thinking about paying for your insurance coverage may be somewhat depressing; especially if you haven’t learned to maximize your savings. In order to get the cheapest car insurance for college students, it would be a smart idea to first make sure that you are with an insurer that you feel comfortable with. There are many companies available to choose from that will give you quality insurance coverage as a student.
There are plenty of tips that you can use to save money once you have compared car insurance quotes for students and found an insurer that you feel comfortable with. Some of these tips include:
- Taking a higher deductible – If you take a higher deductible, you can save a lot of money on your premiums. Most people trying to get cheap car insurance for college students will take higher deductibles so that they can maximize their savings. The only downside to doing this is that you will have less overall insurance coverage if you get into an accident than you would if you would have had a lower deductible.
- Driving an older model vehicle – Students that drive older vehicles will tend to have more savings than people who drive expensive cars. If you drive a lower quality, older car, the value of it is less than average and insurance companies won’t have to pay out as much for damages if you get into an accident. Therefore, your rate will be lower than people with more expensive rides.
- Being a smart driver – Being a smart driver is probably the most useful tip for any driver to hear that wants to save money. As a student, you should want to set yourself up for a good future with low insurance prices. If you drive intelligently, you will probably avoid accidents and will stay away from engaging in things like drunk driving (which could permanently damage your reputation as an insurance customer).
Discounts for Good Grades (or GPA)
If you are a student, you can get savings just by doing well in your classes with “student good grade discounts.” In most cases, you must be under 25 years of age and you must be getting at least a “B” average to qualify for the extra savings. You can get these savings for being enrolled in either high school or college. In certain cases, you must be in the top 20% of the class. If you work hard in school, you will be rewarded by your insurance company with some additional savings. Although these savings are probably not super big, they are still significant enough to save you some money that you would have normally spent. Making sure that you get every discount available in conjunction with practicing safe driving are the keys to getting the cheapest car insurance for students.