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cheapest car insurance for college students
How to Find Cheap Car Insurance for College Students | Cheap Auto Insurance Comparisons
cheapest car insurance for college students
How to Find Cheap Car Insurance for College Students
Car insurance for college students does not have to be expensive. Even if your student is attending school out of state, it is easy to find reasonable rates for his or her car insurance if you know how to go about shopping for it. These tips will help you find a reasonable and appropriate policy that will cover your college student and give you peace of mind.
1) Keep college students on parents’ policies as long as possible. The very quickest way to lower your college students’ insurance costs is to keep him or her on your policy. The moment a college student venture out to get car insurance apart from the family, prices will skyrocket.
Of course, there may a good reason for parents not to allow college-aged students to stay on their insurance. Perhaps the student is truly independent, or has a poor driving record and the parents have decided not to continue to pay for car insurance. However, keeping the student on the parents’ insurance policy is still the easiest way to keep costs manageable.
2) Keep good grades. Whether college students pay their own tuition or stay on mom and dad’s policy, good grades are the key to getting a discount on premium prices. Almost every company offers a “good student” discount from five to 20 percent off the price of car insurance for students who maintain a pre-determined grade point average.
Check with your company to find out the minimum grade point average and the possible discounts you can receive as a good student. You may have to provide proof each semester or quarter of your grades in order to qualify for this discount.
3) Keep a good driving record. If you are paying your own bills as a college student, this is the most important thing you can do to keep your insurance prices reasonable. Age and driving record are two of the three biggest factors in determining your car insurance premiums. You cannot do anything about your age, but you can certainly control your driving habits.
Keeping your speed down and obeying all traffic laws will keep your premiums lower. Certainly you should never drink and drive or engage in any other reckless behavior a conviction of this type will probably mean that you will lose your insurance coverage for the rest of your college years and possibly beyond.
4) Keep a good credit score. The third important factor in your car insurance price is your credit score. While some college students have almost no credit, others have already experienced problems with credit cards or loans.
It is extremely important to keep your credit rating high low credit scores can easily double the cost of your automobile insurance. College students who are paying for their own insurance may want to open one credit card and pay it off quickly to establish credit.
5) Use other means of transportation. Most college students have access to bus services and other means of transportation on campus this means they will never have to worry about driving if they do not choose to do so. Using buses and other public transportation cuts down on your mileage, which in turn means you may qualify for a lower car insurance rate.
Many companies offer “low-mileage” policies or discounts to customers who do not exceed a certain mileage per year. Other companies offer “pay as you go” insurance that allows you to pay only for the miles you actually drive each month, quarter, or year. Limiting your mileage ultimately limits the amount of your car insurance.
6) Take extra classes. While the last thing a college student may want to do is go to yet another class, attending driver’s training classes such as defensive driving can result in lower car insurance premiums.
Some companies offer discounts of up to 20 percent for certain driving classes, and many companies have now made it possible for customers to attend these classes locally or online.