Affordable car insurance for students

There are numerous reasons why young people pay more for car insurance. This includes the obvious, such as lack of driving experience and high accident statistics. The good news is that it is possible to get cheap student car insurance by taking advantage of all the discounts available. Almost all auto insurers offer discounts, even to teenagers. You can also get estimates in just a few seconds by entering quick information about your age, car, and zip code. These are some of the most common discounts that young drivers can take advantage of.

1. Good discounts for students

Youngsters in high school or college may qualify for a car insurance discount just for being a student, but there’s a catch. The student needs to have and maintain good grades. Students can save a lot of money by working hard in class and getting good grades. Auto insurers have amassed massive amounts of accident data, and statistics show that drivers who excel academically are also much safer drivers. Auto insurance companies quote premiums based on perceived risk and therefore give discounts to less risky drivers, such as those with good ratings. Getting good grades requires constant discipline and control, qualities that make for great drivers.

Good Student Discount Qualifications

* Most insurance companies offer these discounted rates to active students who maintain a GPA of B or higher over the course of a school year. The good discount for students is usually 10% on the car insurance premium. Hard work pays off in the classroom and it also saves you a lot of money, so study hard!

* You must be a full-time student. Part-time college students may not qualify for this type of discount.

* There is an age limit for students of 25 years.

If you’re a parent paying for your child’s car insurance, use this discount as a motivating factor. If your son misses out on this nice student discount this year, help him improve her grades and qualify for next year. One idea is to offer help paying for a new car with the insurance savings they’ll get from getting great grades.

2. Certified Driver Safety Classes

Another smart way to get cheaper student car insurance and learn a lot is to complete a certified driver’s education class. These classes are usually taught by highly experienced highway patrol officers and other drivers, who have a great deal of driving knowledge to share. Not only will you learn to drive better, but once you successfully pass the class, you can save up to 10% on your coverage. A good tip is to make sure that the class you intend to take is certified, so that the insurance companies will recognize it and give you this important discount.

3. Buy a car that is cheaper to insure

The vehicle you are insuring is one of the biggest factors that will affect auto insurance rates. When you’re a young student driver, you already face rates that are on average double those of most drivers over the age of 25. The car you drive can help you get lower rates or make your premiums go up quite a bit. Stay away from exotic sports cars like a Porsche, expensive new cars, and those vehicles that are always at the top of the most stolen list. Consider getting a used car like a Toyota Camry that is fun to drive, safe, and more affordable for students.

4. Get resident student discounts

Students who will be attending a college or university in another city or state (often more than 100 miles) may qualify for a resident student discount. This little-known discount applies to those students who plan not to drive while enrolled in school and only on limited occasions, such as winter and summer breaks. A student who wishes to obtain these special low rates must provide proof, such as an admission letter, with the address of the university. In addition, the auto insurer will require valid proof of mileage and may also impose other restrictions on the driver.

5. Find the cheapest student car insurance online

Thanks to the Internet, finding the lowest student auto insurance rates is easier than ever. Plus, you can compare multiple rates in just a few minutes and find the policy that’s right for you.