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Student Car Insurance Guide

If you are a student and are looking for a student car insurance policy then there are a few things you should know as you begin your search. Here is a student car insurance guide that will help you find the policy you need at a price you can afford.

Know What Coverage You Need

Every state has minimum requirements for auto insurance so knowing your state’s minimum requirements is a big step in the right direction when purchasing a car insurance policy. 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 for 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

What student doesn’t want to have a cheap auto insurance policy? Here are some great tips for finding the cheap student car insurance policy that 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. Visit the Student Car Insurance Discounts page to learn about all the different types of discounts that are commonly used by students. You can get discounts for things like having good grades and meeting low mileage requirements.
  • Raise Your Deductible: Raising your deductible is another way that you can be on your way to a cheap student car insurance policy. Having a higher deductible will mean a lower premium. Just make sure you can pay the premium 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.
  • 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.

Know How To Compare Student Car Insurance Quotes

Comparison shopping is the best way to make sure you are getting the best deal on your student car insurance and there are a couple of different ways that you can use to get quotes.

  • In Person: The old school way of getting car insurance quotes is in person. Car insurance agents will be happy to meet with you in person and give you a quote from their company. But in order to compare quotes from multiple companies you would have to do this multiple times, and who has time for that?
  • Over The Phone: You can also call each car insurance company and receive quotes from agents over the phone. While this will be considerably faster than in person, it will still be a waste of time.
  • Online: Thanks to the Internet, you can spend about five minutes and receive multiple quotes from top car insurance companies to compare side by side. The best part is that it’s free! Use our free student car insurance quotes finder to get started now and find the cheap student auto insurance policy you need in just minutes.

Compare Student Car Insurance Quotes Now!

With the free student car insurance quotes finder at the top of the page you can view multiple quotes from top car insurance companies in just minutes. Find the student car insurance policy you need today!

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