How to Get Student Car Insurance?

May 30, 2018 by

Photo by Carlo D’Agnolo on Unsplash

Never drive without car insurance because if caught the punishments are so severe that you may not drive up to three years. Whether you are an adult or a student, car insurance is compulsory if one wants to drive on the roads that are used by other auto owners.

It is, however, note that students sometimes can have a lot of pressure emanating from their tight study schedules and the demand to achieve excellent results out of their education. There are many different insurance discounts available to students whether they are in college, high schools or universities and one can easily be able to benefit from them and especially by doing a little bit of research on the available insurance companies. If you have are 19 years old or just crossed 19 years, find affordable car insurance here.

Unfortunately, young driving is considered risky hence an increase in their car insurance.

The following are tips how to get student car insurance:


Good grades will be used by insurance companies to decide the amount of money a student should pay for his/her insurance. Usually, for the best student auto insurance, one should maintain an average of 3.0 or higher. The reason for this is that if you are responsible for your studies, you must also be competent in other aspects of their life, specifically driving.

In fact, adults who attain higher education are also allowed this kind of lower-insurance privilege due to the assumptions of responsibility. That homeschooling can also benefit as long as they have proper documentation.

Type of Vehicle

The insurance company will also consider the kind of vehicle you are driving. When it comes to college student car insurance, they type of car they will be driving will also be closely monitored. Is it an expensive brand or is it an average vehicle ideal for the public?

An inexpensive car usually means lower rates. However, that does not mean that the car has to be old because this will do the exact opposite. Anti-theft devices installed in the vehicle would also lower the premium rates of the driver.

Driving Situation

The insurance companies also consider how frequently your drive your car. For example, do if you use your car to travel to and from school day or you just use it over the weekend and holidays? Some insurance companies will make allowances for such situations depending on how often the student is at risk behind the wheel.

Of course, this kind of option is not always visible in the application process and should, therefore, be inquired by the parents. Ideally, as a parent, you should research as much insurance company as possible and also talk to your children about the insurance.

Find Group Car Insurance

Often you can purchase low-cost group car insurance at your place of work. If not, see if any clubs or organizations or groups that you belong to offer their members group car insurance. If not, ask family and friends if they belong to any groups or associations that offer members low-cost group car insurance – if so, see about joining.

Know Plan Basics

As a student, you should know all the basics of your car insurance plan. Student car insurances for students are not the same, but they all cover the same things. The following are the 6 basic parts of all car insurance plan for students:

  • Personal Property Liability – It covers injury or damage that you might cause to property while driving.

  • Personal Injury Protection (PIP) – Covers medical costs and any lost wages from a job for the policyholder and any injured passengers.
  • Bodily Injury – Covers you for anybody injuries that you cause to others especially pedestrians.
  • Comprehensive – The insurance covers you if your car is stolen or something in it, or when the weather damages your car.
  • Collision – Covers you for an accident with another vehicle or with an object like a parking meter or a utility pole.
  • Uninsured Motorist – Covers you when you are involved with a motorist who is not insured. It also covers you in case of hit-and-run accidents.

Choosing the right car insurance for students can be hard. When looking for cheap insurance quotes as a student, it is recommended to take your time and to get different rates offered by different insurance providers. The best advice for finding the best insurance quotes that are good for you is to shop online on the company’s websites and ask for free insurance quotes, fast and efficiently.

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