How To Get Cheap Car Insurance For College Students
If you're still in school and living hand-to-mouth, learning how to get cheap car insurance for college students is a "must" topic. Insurance rates are generally higher for anyone under twenty five years of age and, if you're male, well, you're even more likely to pay astronomical insurance rates. There are some tips though, outlined below, which will help you get cheap car insurance for students.
- It may be obvious but staying on your parent's insurance is your best bet. Insurance companies will give you a much better rate is you remain on your parent's auto policy but that also means that your driving record is linked to theirs. That might not make them too happy if you've got a lead foot and get a lot of tickets. But, if you're a responsible driver, offer to pay your parents back for the amount of your car insurance and you might have found the best solution to getting cheap car insurance while you're still in college.
- Get good grades while in school. Most insurance companies will give a small discount (typically 5% or so) to college students who have either a B average, were on the Dean's List during the last semester, or are in the top 20% of their class. Check around with different insurance agencies to see what their exact policy is.
- Keep your driving record clean. Every single point you receive will be posted on your driving record and will adversely impact your insurance rate. Insurance companies want to see NO points on your record.
- Live close to your college so that your commuting distance is short. Insurance rates may be linked to the number of miles you drive per week so living closer is a great bet to getting cheap car insurance. Check with your insurance company about carpooling rates also as this may save you a few bucks if they allow a discount.
- Shop around on the Internet for cheap car insurance for college students. Do a simple search and you'll find hundreds of web sites that will offer you discounted insurance. Once you've identified a possible insurance company, do a search on customer reviews of their service and speed of claims before you sign on the dotted line.