Cheap Car Insurance for College Students
When moving from high school, the students mean for many, moving away from home to go to college. They will have a lot of round trips to do, either every day or to return the weekend. One solution is to having a car. And who said car, said … auto insurance policy. So, it’s about cheap car insurance for college students; some things to consider in making the right choice.
Car insurance: the “Plan Student”
For insurers, the first thing that counts is the date of license. They believe that a person is a new driver as he does not have 3 years driving license. Yet the accident statistics show that new drivers have more collisions or accidents than other road users. To fix the insurance premium, it counts.
If, in addition, this new driver is young and a student, always statistically, he could face even greater risks (driving at night, tired, alcohol, etc…)
Note: insurers are authorized to increase auto insurance premiums for young drivers from 100% to the subscription contract, then 50% after 1 year without an accident.
Impact on cheap car insurance for college students
Car of the student may be a little older, because bought second hand. It will therefore be subject to some failures on the road, the insurer may need to take charge, if the contract provides.
But the car can be brand new, purchased by parents or a first salary. Lack of parking, the jewel will be parked at the curb. Therefore subject to collisions with other drivers indelicate, even in flight.
Thus the cheap car insurance for college students policy a student can be a real money pit.
Tips for lowering the price of car insurance
But a student is not necessarily a young reckless car driver. Thus, if passed his driving license together, he probably already has a lot of running and even may have 12 points on his license since with accompanied driving, the probationary period from 3 to 2 years. A good place to avoid the surcharge applied to new drivers.
Alternatively, students may be enrolled for several years in the auto insurance policy from his parents, as an occasional driver. This element shows that it already has a good driving experience. If, moreover, the car has not had an accident several years, the trend is even better. The bonus of student car insurance policy can benefit for them.
To get the best auto insurance policy, do not rush the lowest prices. Read more contracts from the first to the last line. Call the insurer to make you explain the different guarantees. Discuss with him what you can negotiate, explaining your personal situation. An insurance contract must always be satisfactory for everyone. As it is not, we need to improve.
Hopefully this tips about how to find the cheap car insurance for college students will useful for you.
Cat : Car Insurance,