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Student Discount Car Insurance

Are you looking for student discount car insurance? How to get discounts on the cost of car insurance is the first thing that comes into the mind of most students who plans to purchase auto insurance. This is because car insurance for students below 25 is very costly and affects their pocket the most.

Depending upon the student’s age, his driving record and the car the he owns, he may have to spend a lot of money on car insurance. Those who have sports cars should prepare to pay much higher costs than the students who have normal cars.

Therefore, the cost of student car insurance is much higher compared to students’ other expenses and that is why many students look for student discount car insurance. However, before going into the details of student discount on car insurance, let us first discuss the issues that have created a negative profile of students in general and students below 25 in particular.

Risk Factors Associated With Students And Young Drivers

According to the American Safety Council, young drivers as a group cause the maximum number of automobile accidents in America. To add further, if we consider drivers below age 25, then among all groups, the group under 25 commits the maximum number of drunken driving offenses. Naturally, these young people, most of whom are students, are considered drivers with the highest risks.

Their lack of experience in driving, maximum number of traffic violations, higher rates of accidents and tickets etc., enhances their risk profile. Now, insurance companies always want to reduce their risks and compensate against the enhanced risks, in case it can’t be reduced. In the case of student drivers, insurance companies compensate against their enhanced risk by increasing premiums.

Driving Under the Influence (DUI) May Attract:

  • Delays in getting license
  • Suspension of license and/or fines and Surcharges

Finding Student Discount Car Insurance

Having discussed the major issues associated with students and young drivers above, you should not assume that it is impossible to get find student discount auto insurance. This is because insurance products are such a unique thing that it can’t be made a one-product-fits-all type. Insurance coverage as well as price is mostly unique to each individual which is also true for students.

Recently, many automobile policy changes took places including the issue of students and young drivers. These changes have now made it possible for students to get some discounts if they maintain certain conditions.

One such condition is your driving record. As long as you can maintain a good driving record you will have better chance of getting student discounts on your car insurance purchase. Therefore, if you want to purchase student car insurance at a discount price, you must show that you are a good driver and that you want to maintain a good driving record. In other words, you yourself want to be a legally responsible and good driver which can be shown by many factors, some of which are given below:

Factors That Help Reduce Student

Car Insurance Premiums

  • Get quotes from several companies, since premiums vary.
  • If you are enrolled into any driver training school, many insurers would offer discounts for such training.
  • Maintain at least a “B” (3.0 GPA) or higher grade point average, since many insurers offer a good student discount.
  • Higher deductibles attract discounts and reduce the premium amount.
  • Never get tempted to indulge in the three most common illegal activities which are racing on the highway, reckless driving, and exceeding the speed limit by 15-29 miles per hours. It has been seen that most of the students either under the influence or otherwise participate in these three activities, which results only in loss. In most cases, penalty is imposed and as a result the car insurance premium is more expensive.

Factors That Help Students Get
Discounts On Auto Insurance

Automobile insurance companies usually extends discount car insurance to students in the below given conditions. However, you must also know that these discounts are decided on a case to case basic and are not mandatory. Therefore, it is up to insurance companies whether they want to offer you any discount or not. It also depends partly on how you negotiate with them.

  • If you are a full time student and main an overall GPA of 3.0, most of the car insurance company would offer you a good student discount on car insurance.
  • If you have enrolled into any driving school to learn driving, it adds significantly to your profile.
  • If you have maintained a clean driving record i.e., if you have not gotten in any accidents or had any traffic violations or tickets, you would be eligible for a good driver discount.
  • You know that 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 system, recovery system, automatic seatbelt, airbags, etc.
  • You may get discount if you purchase car insurance form the company with which your parents bought insurance for their vehicles.
  • The deductible is inversely related to the amount of the premium i.e., the more the deductibles, the less the premium would be.
  • A few states have an accreditation program, the completion of which makes you eligible for reduction in the cost of student auto insurance.
  • The cost of your student car insurance will be low if you maintain or intend to maintain low mileage.

Find A Discount Student Car Insurance Policy Now!

Find the discount student car insurance policy that you have been looking for today.

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