Is no secret that student car insurance is not cheap, in fact for young people under 25 years old auto insurance is very expensive, because statistically young people cause most of the accidents, however not all young students are bad drivers. Fortunately there are ways to lower your rates by getting discounts, those discounts are given by auto insurance companies to students that can prove that they are responsible and that they less likely to get in to an accident. Insurance companies need to weight the risk of getting in to an accident.
Student Discount Car Insurance - How to Lower Your Rates
Is no secret that student car insurance is not cheap, in fact for young people under 25 years old auto insurance is very expensive, because statistically young people cause most of the accidents, however not all young students are bad drivers.
Fortunately there are ways to lower your rates by getting discounts, those discounts are given by auto insurance companies to students that can prove that they are responsible and that they less likely to get in to an accident. Insurance companies need to weight the risk of getting in to an accident.
Here is what you can do:
- Students that have good grades may be able to qualify for a discount, if you have 3.0 gpa ask for a discount.
- Take a driving course certificate, most teenagers are first drivers or have almost no experience, if you take a driving course you will prove that you know what you are doing when driving a car.
- If you can get in to your parents auto insurance policy you will save a lot of money.
- Keep you mileage low, the less you drive, the less likely that you will get in to an accident. Use your car just when it is really necessary, keep your mileage below 10,000 miles a year and you may get a discount.
- Use a cheap or low value car, if you use an expensive brand new car, the cost of repair or replace will be very high and thus your insurance rates will be higher. Avoid sports cars they pay very high rates.
- There are companies that give you a discount for not driving in the night. For example if you don't drive from 11:00 pm to 6:00 pm you will get a reduction.
Those are some simple but very important tips for any student to get a discount and be able to afford good coverage. However is important that you drive safely and keep a good driving record so your rates can drop overtime.
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