Student Car Insurance

Finding car insurance is difficult for many, but for students it can add to the stress of studying, owning and paying for car and the overall stress of being a student. Being a student is a stressful time for a young adult, and shopping for can insurance should not be a stressful experience. Student car insurance does not have to be expensive or stressful. Using the internet to do research and compare auto rates is the best way to shop for student car insurance.

Many drivers under the age of 25 often have higher insurance rates, due to statistically being at a higher risk for accidents and tickets. Since most students are under the age of 25 years old, they often fall into this higher risk category. Although, they fall into a high risk category, there are many student discounts available to make lower insurance premiums for students. These include being covered under your parents’ policy, having good grades and taking a driver’s education class.

One way for a student to get a lower rate is for them to be covered under their parents policy. Many insurance companies allow a student to stay on their parents policy as a secondary driver as long as they continue to be a full-time student attending a local high school, college or university. It may be cheaper to stay on their policy and pay your parents back, then to pay a whole policy by yourself.

A student discount will be given if the student can maintain a grade point average of B or above, and/or make the honor roll or deans list. This is applicable to both high school and college students, as long as attendance is full time for the student. If a student’s grades drop below a 3.0 grade point average, this student discount will be dropped from the policy.

Taking a driver’s education class will lower student car insurance as well. These classes provide both a hands on component and a classroom competent for its’ students. Defensive driving and safety techniques are taught, and the students receive a certificate that they have passed the course. The certificate can then be given to the insurance company for a discount. This class is offered by many public school districts, community colleges and some retail stores. Most insurance companies can provide the student with a list of driver’s education courses available in their area.