Student car insurance. Those who have already read my article about teen auto insurance know how difficult it is to find cheap insurance quotes for young people. But as compare to new driver insurance students has some advantages in getting discounts. Lets see how different it is and what to expect.
1. You can increase the deductible. It will make your rate lower.
2. You can take part in some accredited driver training program. This will not give you much discount but it will help you to keep your driving history clean.
3. Buy high safety car, no sport cars! At least till that time when you are rich enough to afford yourself both car and it’s insurance.
4. If you have opportunity to get driving licence at college do it.
5. You can ask your parents to include you to their policy. You can pay your insurance part to them and they will pay it to the company. So your family can also get some discounts on policy for 2 or more cars.
6. Drive really good and be careful , good driving history is very important for getting discounts and low premiums in future. Every company checks if you have had claims or traffic records before.
7. Regular bill payments can also proof your responsibility. It includes credit history even! If you pay your credit cards on time it also give you a chance to get to trust. Sure a young man or a lady can not really have long credit history at your age. But remember, that it is a great chance to start everything in the best way and make your future clear. Just think how sorry you will be for forgetting paying your credit cards, cause so many people delay payments just because they forget to do it, not only because of lack of money.
8. Be good at school. Really good. Companies give much attention to your grades.
Some parents think that it maybe too early to spend so much money for their kids, i mean buying a car, paying it’s insurance and so on, but i always recommend not to delay it, cause this teaches how to be responsible, cause one day you will live alone, why not to start this life now?
Anyway, if you or your parents decided to insure your car, check quotes online before you purchase any. You can understand companies, they prefer trustable customers but on another hand they are always eager to make discounts, just prove that you deserve it. I also do not think that it is a good idea to look for a cheap auto insurance cause every parent want it’s child to be safe and healthy, so maybe you can ask your parents to help you with payments, and you can promise them to be a good student. Why not?
