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Student Car Insurance Guide

Looking to purchase car insurance for a student, but without the sticker shock? If so, good news — you’ve come to the right place. Today, we’re presenting a student car insurance guide that will not only help you find the policy you need, but it will also help you find student discounts and save money.

Getting started is as easy as scrolling down. You can also begin shopping quotes by plugging your zip code into our free car insurance comparison tool right now.

Know What Coverage You Need

Every state has minimum requirements for car insurance, so knowing what they are will be the first step in the right direction. Once you know what coverage is required by law, consider whether you should add additional coverage to your policy.

Here are the main types of auto insurance coverage:

  • Liability Coverage: There are two types of liability coverage, and both are meant to protect you when you are at fault in an accident. Bodily injury liability will cover the other person’s medical expenses, and property damage liability will cover damage to the other person’s car and property.
  • Collision Coverage: Collision will cover damages to your car when you are in an accident.
  • Comprehensive Coverage: This will cover damages to your car that are not related to an accident such as vandalism, fire or even theft.
  • Personal Injury Protection Coverage: PIP covers the medical expenses of you, the driver, your passengers, and pedestrians’ injuries caused by a car accident.
  • Uninsured/Underinsured Motorists Coverage: This coverage will protect you in an accident where the “at fault” driver doesn’t have insurance or doesn’t have the right amount of insurance.

Know How To Find Cheap Auto Insurance

We get it — what student doesn’t want to have a cheap car insurance policy? Here are some great tips for finding a student car insurance policy you can afford.

  • Look For Discounts: Discounts will help you save money on your auto insurance policy, so find out what your car insurance company can offer you. You can get discounts for things like having good grades and meeting low mileage requirements.
  • Raise Your Deductible: Raising your deductible is another way to save money on your car insurance policy. Having a higher deductible will mean a lower premium. Just make sure you can afford to pay the deductible if you are in an accident.
  • Work On Your Credit Score: While your credit score may not be a high priority at this point, it does affect your car insurance rates. Having a high credit score will get you a cheaper car insurance policy in the long run.
  • Shop Around: This is the most important step to take when searching for a cheap student car insurance policy. Comparing multiple quotes is the best way to get the student car insurance policy you want at a price you can afford.

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Know How To Compare Student Car Insurance Quotes

At the end of the day, comparison shopping is the best way to make sure you are getting the best deal on your student car insurance. While you can always speak to an agent in person or get quotes over the phone, we know all of this takes time.

After all, you’re busy. Between getting up, getting dressed, preparing meals for a busy workday, and getting ready— you’ve got a lot on your plate before you’re even out the door. Finding the best student car insurance shouldn’t have to be another task added to an already hectic schedule.

Thanks to our car insurance comparison tool, you can spend about five minutes receiving multiple quotes from top car insurance companies to compare side by side. The best part? It’s free! Use our student car insurance quotes finder to get started.

Compare Student Car Insurance Quotes Now!

Viewing multiple quotes from top car insurance companies is simple, and can be done in minutes. Find the student car insurance policy you need by entering your zip code here now.

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