Cheap Car Insurance For Students: Guide To Finding And Obtaining Discounts For Student Drivers
The problem with many young drivers is that they can’t afford their own driving insurance and have to be put on a parent’s policy. What if the parents themselves don’t have a good driving record? What about young drivers from low income families? Or college students who are off in another state? There are many variables to consider when trying to find cheap car insurance for students.
Fortunately, some insurance providers do offer opportunities for younger drivers to save. When searching for quotes, take the time to research each and every company to find out what kinds of discounts and savings offers they have for student drivers.
One common discount offered by the leading auto insurance companies is a “Good Student” discount. The specifics vary, but in general, you would be expected to be enrolled in college or high-school, under 25 years of age, and make the honor roll (3.0 GPA or above). The idea behind this discount is that if you can prove that your mind is sharp in school, then it is probably sharp on the road as well.
Another way to obtain cheap car insurance for students is to create a “DriveSense” account and install the app. It will track your driving. As long as you drive safely on the road and don’t make any mistakes, you will have a better chance of saving money. The way it is set up is that the insurance provider will offer a customized discount after each term, depending on the quality of your driving.
Cheap Car Insurance for Students Who Take Driver’s Education
There are also “Driver’s education and training program enrollment” types of discounts. If you take a driver’s education class, there is a chance you could see lower premiums. If you already have your license, then there might be other driving programs in your area that you can still take, like “Defense Driving” or “Steer Clear”, which are usually offered to students under 25.
Other discounts to look into are those for honor society students, sorority members, and fraternity members. If you belong to any of these, check and see if your organization is one that is included for eligibility.
It is in your best interest to search for free quotes on the internet and compare each offer carefully. Have your parents or teacher to help you do the research if there is anything you don’t understand. If you are a parent, sit down with your teen and search together. You might end up finding a better deal for a family policy than what your current provider offers.