Car Insurance College Student

January 31 2009 by author in Uncategorized |Comments Off

Reader’s Question:

I am entering college and soon I’d be driving my own car. However my dad says I’ll have a hard time getting a vehicle insurance that is easy on my pockets. How can I prove him wrong?

Anthony

Los Angeles, CA

Yes, your dad is probably right. Car insurance college student is something that will not come cheap. Most automobile insurance companies are not exactly kind to youngsters especially to college students. There are various reasons why, but most automobile insurance firms see college students like you to be high risks. Most of the people your age are perceived as careless on the road, as seen by statistics indicating that most car accidents involve people 25 years and below.

If you want to get car insurance college student that is cheap, you need to show that you are responsible and trustworthy enough. One of the good ways to do such is to get good grades. If you think that getting straight A’s will only be impressive on paper, you are wrong! You will get lower car insurance premiums if you can show that you excel academically.

You also have to enroll in a defensive driving center if you want to get car insurance college student. Enroll in a school that is recognized by most insurance companies so that you can increase your chances of getting lower car insurance premiums.

Getting that Good Student Car Insurance

January 31 2009 by author in Student Car Insurance |Comments Off

Reader’s Question:

My daughter is almost off to college. I want to give her her own car now. I think that it’s right about time. Is it true that there are available good student car insurance policies out there?

Barry

Tucson, AZ

I know that this is such an exciting time for your family. Your daughter going away to college means a lot of things. It is going to be a start of a new life for both you and your daughter. And giving your daughter her own car signifies that you are already giving her this piece of freedom which could be translated to you handing down your trust.

However, car insurance policies may pose a great threat to your finances. They generally cost more expensive than the standard policies for adult drivers. This is because car insurance companies balance out the risk of insuring teenagers, who are statistically proven to be high-risk driver, by giving them prices that should be sufficient enough for them to make up for financial losses in the event that the teenage driver turns out to be a pain in the ass when it comes to driving.

But before you lose hope, let me tell you that being wise is the key. You can try to lower car insurance premiums by availing of certain discounts or doing other things that will make car insurance companies see your daughter as a responsible driver.

Like you have mentioned, there are good student car insurance policies available. Companies think that if your daughter can be a responsible student, she can also be a responsible driver. Thus, the risk of her getting into an accident should be close to nil. In addition, you could also avail of female driver discounts.

You could also do other things like buying an older vehicle, and then loading it with lots of safety feature. You could also enroll her in driving courses.

As conclusion, the key is to stay away from accidents and maintain a clean driving record. After all, no accident, no bills.

Low-Cost Student Car Insurance

January 29 2009 by author in Student Car Insurance |Comments Off

Reader’s Question:

I am currently studying here in Louisiana and got a new car. All I need now is a student car insurance policy, so I can start driving it. My main concern is to lower down the cost. Any suggestion would be very much appreciated.

Ernie

Baton Rouge, LA

It is good to know that there are young people today who take responsibility over their own car insurance and even think on ways to save. I know how excited you are to start driving your fist car, so let me answer your question as quickly as I can.

There is only one answer to your question, and that’s discounts. As a student, you can avail the student discount, which would be a big 15% off. However, there is a catch to this. You need to be a full-time student and have a grade point average (GPA) of 3.0 (or B) or higher. Just one of these will not qualify you for that discount. So, you really need to make sure that you do your part as a student, too, in order to lower your car insurance rates.

Another discount that you could avail is the one for those who attend defensive driving programs. Normally, first-time drivers and those with poor driving records are advised by car insurance companies to enroll in this type of program to ensure that their knowledge on traffic/driving rules are updated. Only when they finish the course do they get the discount offered.

If you need more information about car insurance discounts, do not hesitate to contact the nearest insurance agent. Or you may try searching the internet if you need a faster research return.

Types Of Discount Student Car Insurance For Young Drivers

January 27 2009 by author in Student Car Insurance |No Comments

I’m just a student and I’m planning to loan a car because I need it. Is there some sort of a cheap student car insurance because I badly need discounts for my premiums.

Seth

Las Vegas, NV

Statistically speaking, new and young drivers are often involved in road accidents and get citations from traffic violations due to their inexperienced way of driving. This is one of the many reasons why car insurance companies charge high premiums for student car insurance.

And because of the highly-priced teen and student car insurance, lots of young teens and new drivers are searching for ways to lower their premium rates just like you, Seth. Luckily, there are many types of car insurance discounts for young people like you. Let me cite a few.

1. First to mention is the insurance against third party which is ideal for students like you. This type of insurance covers the damages done if ever you had an accident.

2. Another type of discount student car insurance is third party against fire and theft. This type of insurance covers the damages done if the damage is somewhat costly.

3. There are car insurance companies which offer comprehensive car insurance which covers the first two cases above together with theft of personal things stolen from your car and medical expenses. Inquire about this type of student car insurance to your car insurance company.

Just remember to keep safety your primary concern on the road to have a clean driving record. Safety goes a long way and can even help you get more discounts on your premiums in the future.

Good Student Car Insurance

January 24 2009 by author in Student Car Insurance |Comments Off

Reader’s Question:

Will insurers give lower rates on good student car insurance?

Tracy

New York, NY

According to the most recent data provided by the National Association of Insurance Commissioners (NAIC), New York comes fourth among states that have the highest car insurance expenditures. Residents had to spend $1,083 to have their cars be legally registered in 2006. This soaring cost in insurance can be attributed to the fact that New York’s car insurance requirements are quite high because of its observance of the no-fault policy. Furthermore, New York City, being greatly urbanized, has a big population, which translates to more cars on the public roads, which in turn translates to a higher possibility of road accidents. Car insurance providers in this state, and particularly those catering to NYC, compensate by increasing the rates.

Students or anyone under twenty-five years of age are customarily assessed with higher car insurance rates. There is a prevalent perception among car insurance providers that drivers belonging in this set are typically inexperienced behind the wheel as compared to more mature or middle-aged drivers. Being inexperienced means being more prone to road accidents and therefore higher in potential to make future claims. One way young drivers can beat this is by availing of good student car insurance. This isn’t a new type of car insurance. It is simply regular car insurance that has been assessed with lower rates because the policy owner qualified for a discount for being a good student. The usual basis for such a qualification is the policy owner’s grade point average.

Getting A Better Deal On Student Car Insurance

January 23 2009 by author in Student Car Insurance |Comments Off

Reader’s Question:

For a student like me, I don’t want to spend so much on some things including my auto insurance. Will I have a hard time looking for cheap student car insurance here in Connecticut?

Hadley

Waterbury, CT

Looking for cheap student car insurance in Connecticut would not be as difficult as you think it is. Amidst the entire economic struggle in the country, you could still be able to fish better deals on your student car insurance. You need to make financial arrangements on everything so you have to check various insurance carriers and compare rates and here are things that could be useful:

–Try as much as possible to save $500-$1,000 so that you could raise the deductible on your student car insurance and this can lessen your premiums for up to 25%.

–Do your best to maintain an average of at least “B” in school so that you can have a discount on your student car insurance. Just ensure that you inform the insurance company about this when you get an online insurance quote.

–Being a good driver can also give you a good driver discount so make sure you avoid committing any traffic violation.

–Maintain a good credit as well so that you can have a better deal on your student car insurance.

–In case you have been a bad driver in the past and don’t have the best grades in school, you can still have a good deal on your student car insurance. The country is experiencing a not-so-good economy and insurance companies are battling against each other to get your business. Chances are, they could lessen your premium on your student car insurance.

Tips on How to Get Cheap Student Car Insurance

January 21 2009 by author in Student Car Insurance |Comments Off

Reader’s Question:

My son is a high school teenager who has had straight As for almost his entire life. For his birthday, he asked to have his own car. How do I get cheap student car insurance for him?

Allie

Cleveland, OH

Every parent needs to face this stage in their lives wherein they will have to face the harsh truth in getting their kid’s car insurance: high rates. When you look at the statistics conducted annually, you will find out that teenagers are the ones who are most involved in traffic accidents. Whether they are at-fault or not, or even if it is just a speeding ticket, it does not matter. Since car insurance companies would not take the risk of insuring a teenage driver for a low price, the parents are just left to devise ways on how to minimize the amount that they shall have to pay for their kids’ car insurance.

Now, I give you some tips on how to get cheap student car insurance. What you should do is try to look for a policy with competitive coverage that costs reasonably and try to lower its price.

The first thing you can do is to ask for good student discount. Since your kid is a straight A kid, you might as well take advantage of it. Car insurance companies would not be hesitant on giving a lower premium because a good student most probably would become a good driver. Another way of getting cheap student car insurance is by having your kid take driving courses that shall sharpen his skills and at the same time familiarize him with traffic rules and regulations. This should lessen the possibility of him getting into an accident. Lastly, you might want to consider buying him an older car, and then update the car with lots of safety features. An older car means fewer bills for repairs in the event the car gets damaged. Safety features mean lower cost for medical attention during an accident.

Remember that the issue should not be about the price but the worth of the car insurance for the money that you would be paying. You could very well avail of very cheap student car insurance anywhere, but you should not make the mistake of having to sacrifice good coverage.

 

How to Get Cheap Student Car Insurance

January 16 2009 by author in Student Car Insurance |Comments Off

Reader’s Question:

I have been having trouble balancing my allowance because of really high insurance on my car. Is there a way I can get cheap student car insurance?

Trey

Baltimore, MD

Students are among the segment of consumers that get to really pay high insurance premiums. This is because of the fact that they are considered less experienced in driving by insurance providers. And this lack of experience behind the wheel has been the cause of numerous accidents resulting in costly damages. Or at least, that’s how car insurance companies see it. And as a way of anticipating those benefit claims, car insurance companies charge higher rates to drivers of this age group. It has been reported that most students pay as much as $3,000 on car insurance in one year alone.

But, lest we despair, there are ways you can do to quickly save on your student car insurance. Attend a driving class in your local community college. This will qualify you for lower student car insurance rates for three years as long as you do not get any ticket or get into any car crash following the discount. This could instantly save you up to 40% on your budget. Maintaining good grades will also be another factor that could qualify you for lower rates. If you get to maintain a Grade Point Average (GPA) of 3.0 or higher, then do not forget to mention this to your agent and get a good student discount in the process.

 

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