My son is going to college and I am worried about car insurance. How can I get my son cheap student car insurance discounts?

Getty

Detroit MI

Majority of families nowadays think that sending a child in college will be an immense deal of financial planning just to make sure that the student will definitely attain the highest quality of education possible. Being a student in college will also mean peer pressure and one of the inevitable factors will be a student wanting to have his/her own car. Acquiring the advantage of car insurance discounts for college students is one of the many ways these parents can have their funds on check.

Most of insurance companies require college students to at least maintain the necessary grade point average (GPA) in obtaining the student car insurance discounts. College graduate discounts can last until age 25 after the student has graduated. Nevertheless, some companies will still continue to apply the good student discount they earned in school until they reach an age when their risk level drops. For those students who don’t meet the criteria, college offers them a fresh slate in building a great GPA and earns a discount.

Shopping and purchasing auto insurance online is highly suggested. This will also make way to have an overview that each companies offers as well as help in comparing which among these multiple companies will provide the best car insurance discount.

I have just recently moved out from my parents to live on my own and I’m currently on a tight budget. How can I use the Internet to get cheap young driver car insurance here in Alabama?

Corvette

Montgomery AL

The Internet is a good place for all your insurance needs, whether a life insurance, health insurance, homeowners insurance or a car insurance. Most people these days are now purchasing their insurance needs through the Internet because it saves them time, energy and money. Furthermore, the Internet has a wide range of information available from the basics of insurance to the most complicated scenarios for you to better understand your insurance needs.

To get a cheap young driver car insurance, you must be able to request insurance quotes from various car insurance companies. You shouldn’t settle with the first car insurance quote that you received. The Internet can provide you with a huge quantity of insurance quotes instantly and conveniently for you to compare and find the cheapest car insurance policy with a good combination of insurance coverage types.

Insurance web sites are available in the Internet where you can process your request for cheap young driver car insurance. Some of these web sites are affiliated with many car insurance companies. In this way, with just one request, they can scour and collect as many cheap car insurance quotes for you from various car insurance companies in Alabama. And since you’ll receive a lot of quotes in an instant, it makes your search productive and efficient in just a short time.

Don’t just settle with the first car insurance quote that you get. If you want to get a cheap young driver car insurance, you must compare the quotes against each other and see which ones has the best car insurance coverage offered at the cheapest price.

You should know that being a young driver will make a difference in your car insurance quote. Naturally, your car insurance cost will increase. With the Internet, specifically looking for a young driver car insurance will take you to niche car insurance companies that specializes in young drivers. These companies can offer you with lower rates or recommend you ways to lower your rates.

We live here in Philadelphia. My daughter will go to college in North Carolina. We are thinking of transferring the title of the car to his name so he can car insurance under his name as well. What I want to know if she needs to get car insurance here in Philadelphia or in North Carolina?

Paul

Philadelphia PA

Typically a person needs to register and insure the vehicle they are a resident of. Your daughter will be considered a non-resident in North Carolina if she is an out of state college student who intends to return to her residence upon completion of her college educations.If this is the case then your daughter will need to register and insure it in Pennsylvania.

Before registering a vehicle in Pennsylvania your daughter will need to find out if the car insurance policy in PA will cover her fully while she is in North Carolina. Both Pennsylvania and North Carolina have different car insurance requirements so she needs to verify this first before buying car insurance.

In Pennsylvania, the minimum required liability insurance limits are 15/30/5 while in North Carolina the required minimum liability is 30/60/25. Your daughter will need to be sure that she is fully insured in the state where she will be doing most of her driving. Your son may also speak with her university student affairs to know what is the best step to make.

I am going to college and I would like to know how I can get cheap car insurance for student like me. Is there any discounts I can get?

Mary

Chicago IL

Cheap car insurance for student is possible if you make sure you take advantage of all the discounts available and by using an online resource to get all the cheapest quotes there is online. There are various car insurance companies out there and it would be best if you take time to compare each of them and check out which offers the most discounts, the cheapest price, and the best coverage that suits your needs.

If you are a student with a grade point average of B or higher, you can take advantage of the good student discount offered by some insurance companies. You can take advantage of this discounts as long as you are in school, below 25 years of age and has a GPA of B or higher.

You may also take defensive driving course to get deductions from your car insurance rate. This driving courses are usually offered to new drivers with little experience when it comes to driving. This is a good way to take lower your insurance premium.

Cheap car insurance for students may also be possible if you install safety features and anti theft devices on your vehicle.

But the best way to get cheap car insurance is to maintain a good driving record and avoiding car insurance claims. You will get more benefits in the long run if you do all these.

My husband is planning to give our son a new car on his high school graduation. He is a strong candidate to graduate first honors. I wonder if there is a good student car insurance. I think I’ve read it before but I’m not sure if my memory is serving me right.

Laura

Biloxi, MS

Wow! Congratulations, Laura, for a job well done. Good students are actually a result of good genes and/or proper parenting. Regarding your question, yes, there’s indeed such a thing as good student car insurance. Though normally car insurance companies consider students as high risk drivers for being not that experienced when it comes to driving, some reward them in the form of good student car insurance if the numbers in their report cards are impressive. Good grades reflect a student’s intelligence which can be translated to a good driving performance. Thus, car insurance companies sell them insurance at discounted rates.

As I’ve said, students are often considered high risk drivers because of their age which gives them an impression that they are less experienced on the road. But God really blesses you because your son is a strong contender to be the valedictorian and you will get lower car insurance rates for that! And your son is also lucky to have parents like you who raised him well that resulted to his being a good student. And because of that, he’ll be driving a new car after his high school graduation.

Well, Laura, keep up the good work!

Where can I find affordable car insurance for college student?

Betty

San Antonio, TX

Students and young drivers are among the class of drivers that pay the highest premiums. According to studies made by car insurance companies, this group of drivers tends to get into more accidents. They also tend to get arrested more often for driving while under the influence of alcohol or controlled drugs. Perhaps it’s due to inexperience or the unstoppable need to party. Whatever the case, we’re not going to see any significant reduction in the rates of car insurance for college student soon.

But there is still affordable car insurance for college student out there for the lowly scholar trying to make it through the week with a shoe-string allowance. Some car insurance companies actually focus on the student driver or young driver market. It’s highly likely that these providers set more competitive rates for college students. So it’s simply a matter of gathering as many quotes as possible from these types of car insurance companies and making an accurate comparison to find out what would be affordable for you. A good way of increasing your chances of finding low rates is to take an advanced driving course. Drivers even if they are college students get an automatic discount, possibly up to ten percent, when they take this course.

What coverage should be included when I get my student car insurance?

Louise

Los Angeles, CA

Every motorist in CA, even those bearing only learners’ permits, are obligated to comply with the minimum car insurance requirements of the state. This means that when you buy your student car insurance, Bodily Injury Liability (BIL) for one person should be at $15,000, BIL for two or more persons has to cover $30,000, and Property Damage Liability (PDL) of $5,000 for any single accident. Since these amounts may not be enough to cover all the expenses following an unfortunate car crash, it would be advisable to get much higher coverage limits. And since liability insurance will not provide you with any recompense in case your car gets wrecked in the accident, it would be a good move to obtain the Collision and Comprehensive Insurance. Not only will this take care of repair costs following accidents, but it will provide you with monetary assistance in cases where your car gets damaged by fire, flood or collision with animals. If you elect to take this coverage under your student car insurance, then it will also pay for the actual cash value of your car if it gets written off after a car crash. Since student car insurance is relatively more expensive, it would be best to do some comparison shopping online to be assured that the rates you get are the most competitive in your area.

I’m attending college next year here in Massachusetts and I plan to bring my car to be able to drive back home in between terms, is it a good idea to get myself student car insurance?

Leonard

Cambridge, MA

We highly recommend that you get a student car insurance policy since you have plans of driving your car on and off campus. However, instead of going with the mainstream auto insurance companies there in Massachusetts (or wherever you will be attending college) you may find it more advantageous to buy a policy from companies that specialize in student car insurance coverage.

If you are still under your parents policy, check to see if that policy will still cover you once your on campus. Most car insurance policies would no longer cover you if you’re attending school a hundred miles or more from your home address. A student car insurance provider probably will still cover you beyond that distance. Most student car insurance policies are also better-priced to meet the needs of students or parents sending their kids to college. Both parents and students can ill afford any major financial set-back, that could arise from a car accident, during college so getting yourself a good student car insurance policy may be one of the wisest decisions you can make.

Looking for competitive student car insurance quotes? We can help you. Just use the free car insurance quote search tool found on this website to get access to the most affordable student car insurance rates and policies available. You can also make quote comparisons and uncover the best priced providers on the web.

What are the requirements for car insurance college student? I am twenty-one and living at home, but not for long. What options do I have?

Edith

Minneapolis, MN

The requirements are easy to fill out when getting car insurance college student. I would guess that this would be the car insurance that you fill out yourself. Right now, you might still be listed under your parents’ car insurance, as that is more practical when you’re still in school. When you move out permanently, however, you will no longer be considered a member of your parent’s household, and would therefore need to have your own car insurance. You will be needing your driver’s history, including violations citations and/ or convictions if any, car information, credit history, and previous car insurance information, which you could get from your parents.

Since you are a young driver with limited driving experience, car insurance companies would give you high insurance rates. You are considered a high-risk driver. This is because car insurance companies assume that young drivers are risk-takers when on the road and are thus more likely to get into accidents. There is no specific amount but you could be billed as much as 60% more than what a 35 year old driver would usually get. Given these, there are options for you to save. One is to apply for a good student discount, since you are in school. This could save as much as 10% on your insurance fees. Another way for you to save is to go back to driver training school. If you take a state-approved driver-training course, you could qualify for another 10% discount on your coverage. That’s already a good 20% off your car insurance expenses. Good luck!

My daughter had been asking me for so long to buy her a car and last week I finally did buy her a car but I wouldn’t want her to drive it yet for I haven’t gotten her car insurance yet. The problem is, how can I shop for car insurance for her here in Kentucky?

Luke

Clearwater, FL

It seems you are really in your right mind that you wouldn’t let your daughter drive her car without student car insurance since most people think that the driver’s license is enough to be on the road. It is not hard for you to look or shop for your daughter’s car insurance for it is just like the regular shopping you do which is to look for different car insurance companies and then compare and choose which one best fits you.

Once you have chosen student car insurance for your daughter, you have to ask your daughter to have or to maintain good grades in school to avail discounts and make you happier. You also have to bring her grades as a proof when applying for a policy. You can also get another discount if you have multiple policies especially in Florida. Some car insurance companies give family discounts if family members are also insured in that company. Another thing in Florida is when you drive less, the car insurance company can offer you discount for low mileage use, you can ask your daughter to just walk or use a bike if she is going somewhere near your house. If your daughter has a good driving record, she can make her insurance cost lower. And you can always install an anti-theft device to your daughter’s car in order to get a lower cost for her insurance.