There are numerous reasons why young people pay more for their car insurance. Among them, the most obvious ones, such as lack of driving experience and high accident rate. The good news is that it is possible to get cheap student car insurance by taking advantage of all the discounts available. Almost all car insurance providers offer discounts, even for teenagers. You can also get a quote in seconds by entering a few brief details about your age, car and zip code. Here are some of the most common discounts available to young drivers.
1. discounts for good students
Young people in high school or college may qualify for a discount on car insurance just for being a student, but there’s a catch. Students must have and maintain good grades. Students can save money if they work hard in class and get good grades. Auto insurance companies have collected large amounts of accident data, and statistics show that drivers who do well in school are also much safer drivers. Auto insurance companies calculate their premiums based on perceived risk and therefore give discounts to less risky drivers, such as those with good grades. To get good grades, you need to be disciplined and in control, qualities that also apply to good drivers.
Discount for good students Qualifications
* Most insurance companies offer these discounted rates to active students who achieve a grade point average of B or better during a school year. The discount for good students is usually 10% off the car insurance premium. Hard work pays off in the classroom and also saves you a lot of money, so study hard!
* You must be a full-time student. Part-time students may not qualify for this type of discount.
* There is an age limit of 25 for students.
If you are a parent paying for your child’s car insurance, you should use this discount as a motivating factor. If your child doesn’t get the good student discount this year, help him or her improve his or her grades so he or she can take advantage of it next year. For example, offer to help him finance a new car with the savings on car insurance he can get if he gets good grades.
2. certified driver safety training
Another smart way to get cheaper student car insurance and learn a lot in the process is to take a certified driving safety course. These courses are usually taught by traffic police officers and other highly experienced drivers who can impart a wealth of driving knowledge. Not only will you learn to drive better, but you can also save up to 10% on your insurance coverage after passing the course. Make sure the course you wish to attend is certified so that it is recognized by insurance companies and you can get this significant discount.
3. Buy a car that is cheaper to insure.
The car you insure is one of the most important factors affecting car insurance rates. If you are a young, novice driver, you already face rates that, on average, are double those of most drivers over the age of 25. The car you drive can either help you get lower rates or cause your premiums to increase significantly. Stay away from exotic sports cars like a Porsche, expensive new cars and vehicles at the top of the most stolen list. Think about a used car like a Toyota Camry which is fun, safe and cheaper to insure for students.
4. Get discounts for residential students.
Students attending a college or university in another city or state (often more than 100 miles away) may qualify for a student discount. This little-known discount applies to students who do not wish to travel during school hours and only at certain times, such as winter and summer breaks. A student wishing to take advantage of these special discounted fares must provide proof, such as a letter of admission, with the university management. In addition, the car insurer requires valid proof of kilometers driven and may also impose other restrictions on the driver.
