Scholarly Coverage: College Student Auto Insurance

By Kyle Fitzsimmons, InsuranceAgents.com Staff Writer

Find Affordable Student Auto Insurance Quotes Online

With registering for classes, shopping for your dorm, choosing the right meal plan, and hoping that stranger your sharing a living space with doesn’t kill you in your sleep; a college student has a lot to worry about these days. Auto insurance isn’t always a top priority. However, if you plan on having a car with you at college then you will want to be sure you are adequately insured and student auto insurance should be looked into with the time and care it deserves.

Unfortunately, you won’t be eligible for the most competitive auto insurance quotes until you are 25 but there are steps you can take until then to get the lowest student auto insurance available to you. Start by comparing student car insurance quotes online. The Insurance Information Institute recommends you receive quotes from at least three companies before picking the most attractive offer.

Why do you have to wait until 25 for the lowest auto insurance rates available? Well, young drivers like you are considered high risk by insurance companies. If your college campus is in an urban setting then you are considered an even higher risk because insurance companies determine rates off crash and theft statistics, among other things.

Here are some ways you can lower your student auto insurance:

• Maintain a good driving record – If you are a safe and responsible driver with a clean driving record then your insurance company will reward you with lower student auto insurance.
• Take a defensive driving class – Not everyone has a clean driving record but there are steps you can take to improve it. Taking a defensive driving class proves to your insurance company that you are committed to cleaning up your act.
• Get on your parents’ policy – This is something you will have to discuss with your parents but if they are okay with it then it could save you bundles on your student auto insurance.
• Inquire about discounts – Your auto insurance company might offer discounts for low-mileage driving or for making good grades in school. Ask your auto insurance agent about any student auto insurance discounts you might be eligible for.

Although it should go without saying, never, under any circumstances, drive without insurance and never drive under the influence of alcohol. The repercussions will negatively affect a lot more than just your insurance rates.

Shop Around For Student Auto Insurance

Although being young has its advantages, cheap auto insurance usually is not one of them. However, if you take the right steps then you can snare yourself the lowest possible student auto insurance available. If you want to learn more about student auto insurance then go online today to speak with an auto insurance agent and compare auto insurance quotes.

Published: Thursday 1st October 2009