As if tuition and books didn't cost you enough every semester, you also have to pay sky-high auto insurance rates to make sure you can get to and from class and have a social life.
Or do you? Cheap student car insurance does exist! You just have to know how to go about finding it.
One of the most important things to know is that you should get more than one quote from an insurance company when shopping for insurance. Why? Because quotes will differ from company to company. They differ because every car insurance company uses a different system to rate you as a safe or unsafe driver. Car insurance companies give lower ratings to younger people, and most students fall into this category. Also, it's not just a bad driving record that gets a low score, but also lack of a solid driving record. Here again, if you are young, you haven't been driving very long, and insurance companies cannot be sure if you are a safe driver or not. Since the most common factors of car insurance quotes include age and driving record, this explains why students often aren't offered the best rates.
Practically speaking, there are some things that will help students to get cheaper auto insurance quotes. One of way is to be a good student and keep up your grades. Some insurance companies offer good student driver discounts for students who keep a B average or higher. You should also make sure you choose your car carefully. Sports cars, for example, will have higher insurance rates than a mini-van because sports cars imply, truthfully or not, that you like speed. If your parents are willing, you could even be added to their auto insurance, which just might save you money.
There are lots of other ways to save, and by using auto insurance comparison sites, you can find some more information on cheap student car insurance and car insurance companies that are willing to work with students.
