For students or university-goers, dealing with money matters is indeed a tough task. Attaining cheap car insurance is another issue which may also be of a difficult nature. The reason behind this is that students always carry a high driving risk. Those who are of 18 years and above fall prey to accidents thrice the number or more as compared to drivers over 30.
Student car insurance, offers students the needed protection against car accidents and thefts, no matter whether they drive on or off campus. Insurance providers approve auto insurance for students with due consideration to certain factors such as credit scores, discounts eligibility and driving records.
While teens stay focused on having car insurance that is affordable, it is equally important that the students think beyond auto insurance cost. If car insurance comes cheap, find out whether or not it offers the required coverage and up to what level. In student car insurance, students may qualify for a good student discount, organization discount and good driver discount.
Learn from the insurance provider what it takes to qualify for the three unique discounts. To earn a good student discount, you need to possess a record of driving accident-free for a minimum of three years. Certain other insurers may also want you to keep up with an average 3.0 grade to earning a decent discount.
Ways to Save Money on Student Car Insurance
It is possible for students or university-goers to save money on auto insurance through a few ways.
- Be careful enough while choosing cheap student car insurance. Select a car that has a small engine without any modifications.
- Improve security of your car: It is advisable to install an immobilizer and alarm. To save money, insist on parking in the parking lot or in a brightly lit area overnight.
- Mind the mileage: Avoid driving if possible in between short seminar breaks. It is possible to define a low mileage if you only drive short distances.
- Numerous insurance providers allow speedy bonuses to students who don't make a claim. This can be after as little as a year.
- Look for other schemes: After you have successfully completed the driving test, look for schemes that provide discounted insurance. Advanced driving courses are also a means to bring down student car insurance.
- In order to attain cheap insurance, it is necessary to spend a great deal of time shopping around for an appropriate policy provider. Don't choose the first insurance company with a cheap price tag.
- To earn a larger discount, it is possible to have the insurance policy in your parent´s name. This is good as a temporary solution until you have stopped studying. Do not have an unknown driver lead or front the policy on your behalf, since it is illegal and may invalidate any future claims.
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