Searching for cheap car insurance? For college students, finding affordable coverage for their cars can be a significant challenge. However, you can discover inexpensive car insurance. Here’s how.
Why is Student Insurance So Costly?
Some of the cost of car insurance for a school student depends on the same variables as any other driver:
– Driving record – Garaging place – Type of vehicle
But if you are a college student, two things you can not do something about also influence the cost of your auto insurance: your age and sex.
What do gender and age have to do with the purchase price of auto insurance? Well, young people, especially young men, are more likely to have accidents, and therefore their insurance rates are higher.
Change What You Can
You can not change your age or gender, so you need to focus on other factors to help keep your insurance premiums low:
Keep your driving record clean. Obey speed limits and other driving legislation. Drive defensively. Do not drive if you have been drinking or taking drugs.
Keep your vehicle at home. If you don’t require a car at school, leave it at home. You will pay less for your insurance since you won’t be driving as frequently.
Purchase a Sensible Car. Sporty, high-powered cars cost more to repair and are more of a goal from thieves. Consequently, the base insurance fee for these cars is greater. Increase your deductible. Increasing your deductible – the amount you pay toward a claim before your insurer will cover – can save up to 50% on your premium.
Keep up your grades. Maintain a B average or better so you can find a very good student discount.
Comparison shop. Because insurance rates can vary by hundreds of dollars from one company to another for the exact same policy, the best way to save money on insurance is to get quotes from various companies. The simplest way to do it is to visit an insurance comparison site.