How to Find Cheap Car Insurance For Students
Finding
affordable car insurance for students can be something of a challenge.
Insurance companies tend to classify students as "higher risk" along
with teens and new drivers. And of course, most students need all the
savings they can possibly get. Unfortunately, car insurance isn't cheap –
a typical student pays anywhere from £3,500 to £13,000 in insurance
premiums in a year.
Obtaining a lower rate for your car insurance
starts when you still in school – you can often get a discount just by
providing your most recent school report card. Most insurance companies
consider students who have a grade 'B' average, to be lower risk
drivers. If your school or college offers a drivers education course,
take the class and let your insurance company know.
If you have
membership in any school or professional organizations, let your
insurance company know. Some insurance companies offer significant
discounts for membership of various alumni, fraternity and student
associations; for example the Golden Key National Honor Society.
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| Cheap Car Insurance for Students Living Away from Home |
Let
your insurance company know if you are also working while attending
school. If you work close to your home and use your car primarily to go
to and from your workplace, your insurance company will generally offer a
discount. Students who live close to their school or college and
generally don't drive much may be eligible for a "low-mileage" discount.
It
is also less expensive to add a student's name to an existing auto
insurance policy, rather than take out a new one; although if the
student is the primary driver or owns the car, they may be required to
have a separate policy.
Please see our list of recommended
insurance quote providers below to get free insurance quotes from many
providers. These sites also offer pages and pages of free insurance
information. Free quotes are available everywhere but these sites offer
quotes from multiple companies. This way you are sure to get a look and
the 3 to 5 cheapest possibilities and you can save more money.
Getting cheap car insurance for studentsis necessary because as a student you don't have much money to spend. But you have to drive a car, so the ultimate goal is to get cheap car insurance for students like you. If you can save money on car insurance, you can spend this money on anything else. In this article I will describe few methods and tricks about how students can get car insurance at cheap or low cost.
To get car insurance cheap
we have to scrutinize driver's safety lessons, driving records and
which type of car the students thrive. After all why the students must
have to maintain good students grades. Many car insurance companies
offer cheap car insurance for young drivers and students, but not for all. After reading this post, a student will have the idea and methods to get cheap car insurance.
Why students' car insurance can be expensive
- There are a couple of reasons why insurance doesn't come cheap for college or uni students:
- Student drivers tend to be young and less experienced; statistically, they're involved in more accidents
- Colleges and universities are most often found in cities, which have higher levels of car crime, theft and vandalism.
How to get cheaper cover
- Less expensive, lower powered cars are cheaper to insure
- Add
extra security to your car if it's parked in a vulnerable location.
Reducing the risk of a theft claim can lower your premium - Third
Party Fire & Theft insurance might be cheaper than Fully Comp, but
remember that this does not cover the cost of repairs to your own
vehicle - Take the PassPlus advanced driver training course to gain extra experience and skills. It could save you money on insurance.
- Consider
Telematics (also known as a Black Box). Your insurance premiums would
be based on your driving performance, with premiums based on factors
such as the number of journeys you make, the distance you travel, your
speed and acceleration and many more factors. This can lead to cheaper
insurance for some drivers. - Lower your mileage. You might be able to reduce your car insurance if you restrict your annual mileage.
If students want cheap and low cost insurance
for their car, they have to definitely follow a few rules to choose
their car not their own choose unless students won't get low cost car
insurance. Normally people choose to buy a car which is stylish and
fast. Unfortunately, the insurance quotes for an expensive car, sports
car and racing model car is very high which students do not afford to
bear. So students should buy a car which has a high safety rating and
low or medium cost to fix or replace parts. Insurance companies prefer
and give cheap car insurance if the replacement parts is available and
car has as many safety procedures as possible.
Buying cheap insurance for car for students requires few safety measures. One is drivers safety courses which is already considered as precondition
to buy discounted car insurance. Students can also take other courses
recognized by insurers which will help to get discounted insurance. If
you don't take any safety course, start from today. Attend to classes,
pass the exam, get certificate and apply for insurance.
Some car insurance companies have special cheap car insurance rates for who have good scores in class. Students with good score should search such car insurance companieswhich offer discounts on insurance premium for best score and apply to score certificate. According to the car insurance companies good score means grade B or better. This is one of the easiest way to find cheap car insurance for students.
To get cheap car insurance for students,
students should follow this advise while applying. At first buy car
with high safety measures or if possible buy car suggested by insurers,
attend driver safety courses and gather certificates, include with good
score in class then apply for insurance ratings. Shop from one company
but compare as many car insurance quotes as possible and investigate which company offers cheapest and lowest car insurance rates with your documents and buy from them.
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