Student Auto Insurance

In general students and young drivers pay a higher insurance premium. Finding cheap car insurance can become a difficult task, you know this if you are the student or the one insuring a student. Fortunately affordable and fair pricing for student auto insurance with the competitive suppliers we have provided above can save you time and money.

Many insurers don't offer specific student or young driver car insurance, but our providers look for ways to lower student auto rates. Here is a list of ways to take advantage of those discounts for students.

Top Ten Ways To Lower Your Student Auto Insurance Rates

First I must apologize this is not a funny top 10 like you would hear on the David Letterman Show but it is very informative if you want to save money on your student auto insurance rates.

Cheap car insurance is hard to find when you are a college or high school student. It's expensive for everyone under 25, especially men. In addition a lot of college student attend school in urban areas or in a college town, both of these locations generally come with higher insurance premiums.

SO what do you have to do to get the best deal? Here are some practical things students can do to reduce the price of their auto insurance:

1. Get good grades. Insurance companies figure that responsible students are responsible drivers, and they'll give you a discount if you have good grades. Here's the thing though, you have to ask your insurance company or the insurance company you are researching what kind of discounts they give, they all vary. Most give discounts to students who are in the top 20% of their class, have a 3.0 GPA or higher, have a grade average of B or higher, and/or were on the Dean's List or the Honor Roll the previous semester.

2. Be a good driver. Duh! Good drivers pay less for insurance. Avoid accidents and avoid tickets and after awhile, you'll be considered a lower risk driver and will pay less.

3. Take advantage of low mileage discounts as well as carpooling discounts. Many insurance companies offer reduced rates for people who don't have a long commute, and if you're a student who lives near campus, this may include you! If you're living at home and commuting a longer distance to school, you might be able to save money by finding a carpool partner.

4. Be included on your parents' insurance-- maybe. If your parents are willing to keep you on their car insurance, this may save you quite a bit of money. However, this varies by situation, and sometimes it's cheaper to get your own insurance. Get use the links above get some quotes from insurance companies and find out.

5. Keep your credit good. Insurance companies check credit ratings and will charge more for people with low credit scores, it doesn't seem fair but that's the way they do it.. Most students don't have great scores because they're not old enough to have long credit histories. Therefore, if you are a student and have a credit card or car payment, it is very important to pay your credit card bills and make other payments on time so you can build good credit instead of wrecking the little credit you have.

6. Take a community driving or defensive driving class. Insurance companies generally offer discounts to drivers who take a safety class. Quick tip: Make sure you can get a discount first, these classes can be a little boring and eat into a weekend or evening schedule. If you take the class and your insurance company says they won't honor it, it could make you an unhappy camper.

7. Don't drive without insurance-- ever! Another Duh! It could save you some money, but it could also screw up any plans you have for the future? Aside from the fact that you can lose your license and go into financial ruin if you get into a serious accident, you can wreck your credit history and say goodbye to cheap insurance for decades if you are caught driving uninsured. It's not worth the risk!

8. Don't drive under the influence of alcohol- ever! Needless to say, there are countless reasons not to drink and drive. But one you may not have considered is how much your car insurance will cost if you have a DUI or a DWI on your record. One word, EXPENSIVE!

9. Before you buy a car! Consider your choice of vehicle carefully. The price of insuring a car differs greatly by make, model, and year. A sports car will more than likely cost a whole lot more to insure than your mom's old station wagon. It doesn't mean you have to have a dorky ride to save, just educate yourself on how the insurance company views different makes and models and always get insurance quotes.

10. This is the one you probably don't want to hear but here it goes anyway. Consider doing without a car. For some students, it's not feasible to get by without a car. But for many, it is, and this choice can save you an incredible amount of money. I'm just sayin...