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How To Choose College Student Car Insurance


A car to a college student is like treasure to a pirate. Having a car at college is a luxury that not many students get to have.

Most students ride their bikes or walk to class, but if you are one of the few who gets to drive to campus and take long trips on the weekend, then you have to be prepared for the responsibility of owning a car. And that means you have to be covered with student  car   insurance .

Besides tuition and books,  car   insurance  for students is one of the biggest expenses a student will pay in college. But if you are careful about choosing your student auto  insurance , you will be able to work the payments into your student budget and still manage to save money in your savings account.

The Basics of Student  Car   Insurance 

Finding cheap  car   insurance  for students can be difficult since younger drivers usually have higher premium payments to make. It has nothing to do with you personally, but young drivers just tend to make more  insurance  claims than older drivers, so  insurance  companies will charge you more so they can make more money.

There are also other factors that can affect the amount a student will pay for student  car   insurance , such as:

  • Age
  • Gender
  • Driving record
  • Location of vehicle
  • Damage history of vehicle
  • Distance driven daily

You can’t avoid these factors when you are applying for student auto  insurance , but there are many ways that you can lower your premium payments. You just need to take the right steps towards choosing your student  insurance .

Tips for Choosing Your Student  Car   Insurance 

You can’t avoid being young and in college, but there are steps you can take to lower your student  car   insurance  payments. And even though you want to find an  insurance  company that offers  car   insurance  specifically for students, not all of them do, so if you can’t get student  car   insurance , then follow these tips to get a cheaper  car   insurance  plan:

Shop Around for Options

Find out as much information as you can for at least 3 different  insurance  companies. Compare their premium quotes and see who has the best benefits for your money.

Know Plan Basics

Knowing the basics of a student  car   insurance  plan is very important in choosing the right kind of plan for your needs. Not all  car   insurance  for students is the same, but the parts that make up the plan usually cover the same areas.

Here are the six basic parts of a student  car   insurance  plan:

1) Bodily Injury – Covers you for bodily injury you might have caused to another person.

2) Personal Property Liability – Covers damage or injury you might have caused to another person’s property.

3) Collision – Covers you for any type of accident with another car or with an object like a parking meter or a utility pole.

4) Comprehensive – Covers you in case someone steals your car or something in it, or the weather damages your car. It is best to get both of these types of student  car   insurance  coverage.

5) Personal Injury Protection (PIP) – Covers medical costs and any lost wages from a job for the policy holder and any injured passengers.

6) Uninsured Motorist – Covers you for accidents with motorists who do not have  car   insurance . Also covers you for hit-and-run accidents.

Maintain Good Grades

Many  insurance  companies offer discounts to students who maintain a B average or higher. Make sure you bring proof of your grades when you apply for your  car   insurance .

Apply for all Discounts

Even if you get a student discount, always apply for any discount that the  insurance  company is offering. Most  insurance  companies will offer you a great deal if you purchase multiple  insurance  plans together, like  car  and renter’s  insurance , and they might even offer you a family discount if you sign up for the same  insurance  as your family members.

Buy the Right Car

Before you even get student  car   insurance , you need to get a  car  that is right for you.  Car   insurance  is often based on a  car’s  safety probability, so high speed sports cars and smaller cars have a greater risk of damage. They are also more likely to be targeted by thieves, so you should buy a more practical car with good gas mileage and reliability rather than a car that costs more than your entire student budget.

Walk or Bike More, Drive Less

Even if you have a car, that doesn’t mean you have to use it everyday. If you live on campus and you’re close to class, either walk or ride a bike and save on gas money. Some  insurance  companies will give you a low-mileage  car   insurance  deduction if you drive below a certain number of miles each year, so save your long-distance  car  driving for the weekends.

Increase Your Deductible

If you increase your deductible – the amount you pay towards a claim before your  insurance  company pays – then you can save from 15% to 40% on your student  car   insurance  premium.

Install Secure/Anti-Theft Devices

If your car’s seat belts and airbags don’t’ work, you should get them fixed as soon as possible. Also, if you don’t have an alarm system, get one installed. The safer you are against accidents and burglaries, then the less your  car   insurance  company will have to pay and the less you’ll have to pay to them.

Be a Safe Driver

The most important step you can take towards lowering your student auto  insurance  is to be a safe driver. The fewer driving violations and auto accidents that you have the more money you will save with your  car   insurance . That means you should never drink and drive, you should park your car in a safe area or in a garage and you should always maintain the proper speed limit.

College should be both a fun and safe experience, so if you have a  car  and use it as part of your daily routine, always have student  car   insurance  for protection.

Source by Trish Smith