Sunday, August 19, 2012

How to Get the Best Student Car Insurance Quote

Student car insurance quotes are usually extremely high because of the increased risk component regarding teenage drivers, which is utilized by insurance providers to determine pricing. Most auto insurance policies allow the student driver to stay covered on parents' policies while attending school, and then qualify to obtain student rate reductions till they are finished with school, and policy costs begin to drop as they age.

Student car insurance quotes may be decreased simply by taking advantage of discounts which most insurance carriers offer the younger driver. Here are some helpful tips to save money:

1. Get rid of excess coverage - Owning older automobiles where by collision and comprehensive coverage can be terminated, will cut costs. If there are auto loans in force, usually these two coverage lines will have to be maintained until such time as the financing is paid off.

2. Stay on parents' insurance plan. Typically, car insurance costs less should the student reside at home along with their parents and continues to be listed on their policy. If the student moves and establishes their own residency while going to school, many insurance providers require a separate policy for that driver.

3. Good student discount rates are offered to students who maintain not less than a 3.0 GPA, along with a few other requirements. This discount is often given to students aged 16 - 24 who achieve this level of academic success, earn honor roll notification or dean's list at their school, or accomplish accelerated rankings on standardized exams including the Scholastic Aptitude Test (SAT). The good student discount can often amount to fifteen to twenty percent policy cost savings for student car insurance. Most insurance companies will even allow this discount up until young driver reaches age 25, when premiums start to decline.

4. Distant college student discounts can be requested when the student is actually away at college and has limited access to an automobile, so their miles driven annually tend to be nominal. When the driver takes a car with them out of state to university or college, extra student auto insurance coverage might need to be added given that insurers generally demand that coverage be purchased in the state where each car is registered and usually stored (garaged).

5. Defensive driver training courses give the student the ability to receive expert, certified education and also prove to the insurer that they are a great risk. These kinds of training systems can be found in many states, and may be looked for on the internet. Most insurance carriers offer instant savings upon notification if this type of training course is accomplished.

Needless to say the simplest thing that a student driver could do to keep their auto insurance premiums as low as possible is to maintain a clean driving record, be informed of traffic rules, and follow them!

Go now to visit for simple ways to save on a student car insurance quote.

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