5 Tips For Finding Cheapest Auto Insurance For Students

If you are on the lookout for obtaining cheaper auto insurance for your teenager/student, or if you are a student/young person yourself, this article may be able to help you. The following are tips and suggestions we put together that can help young drivers and students find and get lower rates on their car insurance.

1. The first thing that will affect a young person’s ability to get cheap student car insurance is the type of car you/they drive. It is cheaper to insure four door sedans than the two door type.

The range differs mostly around $20 – 40 on a six month insurance premium. It could cost more if the student is a high-risk driver. There is an additional ten percent on a student’s car insurance when a four wheel drive pickup is used than a standard model

Your student may not like it but if they drive a mini van or even a 4 door car, the rates and cost on their high risk auto insurance will go way down compared to a newer car. If you have an older car with little replacement value it can result in big insurance savings because the physical damage coverage for the car is optional. The exception to this is if you bought the car with a loan. For a new car, see to it that it is in perfect condition or else insurance companies will consider it a higher auto maintenance.

2. Take advantage of drivers education courses. The big car insurance companies offer discounts for students who complete additional safe driving courses. The companies allow the students to keep the discount till the reach the age of twenty-five. A private driver’s education course is preferred since less schools offer these classes. It costs roughly around $150 to $400

3. Student drivers can also get discounts for simply being a good student in school. Good grades usually means a more responsible person, which translates into fewer accidents. Around twenty percent of your premium is given as a discount to these students. Students should have a GPA of 3.0 or more and take a full load of courses.

4. If a college student for example, wants to drive to school they also can save, but the amount they save is directly related to their geographic regions. For instance, a student living in Chicago driving to Depaul University everyday will pay higher premiums compared to a student living and driving to school in a small town in Texas. If your college location is better, your insurance agent can get the car to be considered “garaged”.

5. Pick the right deductible. If you want to pay a lower deductible then your monthly payments will be higher. Get the policy with the highest deducible but still fits your budget to avoid paying too much.

Hopefully these five tips to find the best student car insurance rates will give you some guidance. If you are interested in learning more about teens read out Cheap car insurance for teenagers article.

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