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Student Discount Car Insurance

Looking for discounted car insurance as a student? Without a doubt, this is a high priority for any young driver looking to save a few bucks on his or her monthly rates.

Here’s the deal — car insurane for drivers under the age of  is known to be pricey. And depending upon the driver’s age, driving record, and the car he or she owns, car insurance may be even more costly.

It’s no wonder student drivers are eager to seek cheap car insurance. But before we dig into discounts for students, let’s first look at the most common risk factors associated with young drivers. You can also begin shopping rates by plugging your zip code into our free car insurance comparison tool.

What makes students high-risk drivers?

According to the American Safety Council, young drivers as a group cause the greatest number of automobile accidents in America. Experts with the National Highway Traffic Safety Administration also report that crashes are still the leading cause of death among teenagers. What’s more, is that the Centers for Diseadrivers under 25 commit the highest number of drunken driving offenses. When you consider these statistics, you can begin to see why student drivers sare considered high risk.

Another factor to consider? The type of car a student drives. While newer, sportier cars are tempting for any teen, they’re usually not the safest vehicle choice for young drivers still learning to navigate the road.

Bottom line? A lack of experience in driving, an historically high number of traffic violations, and higher rates of accidents and tickets all enhance the risk profile of student drivers.

Insurance companies, therefore, compensate against their enhanced risk by increasing premiums. The good news? We’re here to help you save!

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Finding Car Insurance Discounts for Students

In the same way making good grades and choosing a major are important to students, so is finding discounts. In spite of the risks associated with young drivers, you should not assume that it’s impossible to get good auto insurance for students. In fact, a number of discounts are available for young drivers – it’s just up to you to seek them out, and claim them.

Below, we’re breaking down some of the most common discounts available to young drivers:

  • Good Student Discount. If you are a full time student and main an overall GPA of 3.0, most car insurance companies will offer you a discount.
  • Driver’s Education. If you have enrolled into a qualifying driving school to learn driving, it adds significantly to your profile and can save you money.
  • Good Driving. If you have maintained a clean driving record – that is, no accidents, traffic violations or tickets – you may be eligible for a good driver discount.
  • Safety Features. The more secure your car is, the better it is for the insurance company. Therefore, the more safety/anti-theft/recovery equipment that you have installed, the more discounts you will be offered. Such equipment may include alarm systems, recovery systems, automatic seatbelt, airbags, and more.
  • Multiple Policies. You may get discount if you purchase car insurance from the company with which your parents are insured.
  • Reduce Your Deductible. While this isn’t a formal discount, it’s worth considering reducing deductibles if you can. For instance, if you have an older car, lowering your deductibles may prove to be a prudent way to save money.
  • Low Mileage. Some insurers provide discounted rates for those who drive less than 7,500 miles a year.
  • Good credit. Whether we like it or not, a number of insurers will use your credit score as a factor in setting rates. Drivers with lower credit scores will often end up paying higher rates. Therefore, any young driver looking to get the best rates should be diligent about his or her spending habits (such as paying off or consolidating credit card debts)  thus keeping his or her credit score as high as possible.

Find A Discounted Student Car Insurance Policy Now!

There’s no need to delay — young drivers can begin finding discounted car insurance today. Our free car insurance quote finder allows you to view and compare multiple car insurance quotes from top car insurance providers. Simply begin by entering your zip code now!

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