Locating Cheapest Car Insurance for College Students – Things to Consider

To reduce premium costs that are likely to be incurred on auto insurance for students in college, you can get your name added to one of your parent’s car insurance policies.

Besides, there can be many other ways through which you can secure cheaper vehicle insurance coverage. Insurance providers provide variety of discounts which can help in lowering premium. Some of them are as follows:

• Get good grades – Most of the companies offer 15% discount to student drivers with average B grade or above that in their academics. Studies prove that students who have maintained higher grades are less likely to get involved in accidents when on road.
• Take a defensive driving class – It is also possible to get cheap auto insurance for college students by getting enrolled in a course for learning defensive driving skills offered by some government approved training institute and earning an additional discount on student car insurance premium.
• Protect your car and yourself – Most insurers also grant special discount to high school or college student drivers on car coverage premium if they drive cars which have safety features like anti-theft devices such as security alarm, side airbags, parking lights, anti-lock braking systems, etc.
• Increase your deductible – Cheaper car insurance for college students can also be secured online by selecting higher deductibles but if you do so, you must be ready to spend money from your own pocket in the event of an accident involving your car.
• Opt for driving a used car – A lot could depend on the type, make and model of the vehicle you are driving. Old used cars will require less money to insure as compared to expensive new cars, luxury sedans or Sports Utility Vehicles (SUVs), convertibles, etc.