Finding The Right Insurance For A College Student's Car

by Joseph Micheuaidy

As you begin your freshman year in college, you need to have sufficient insurance coverage for you and your car particularly if you will be studying in a different town. Basically, the best car insurance for college students is one that provides appropriate coverage for your needs without breaking your budget. To help you make an informed choice, you need to do your homework. The great thing is that it is now easy to make comparisons of insurance products and firms because of the Web. Still, the smartest way to find insurance companies is through personal recommendation.

Inquire about rates, convenience filing and receiving claims, and client service. There are insurance providers that provide lower rates for college students with good grades. Discounts can also be received from having a defensive driving course. The type and amount of discounts you are eligible for could differ significantly among insurers, so it is advisable to check around.

You should keep in mind that there are some things that can have an effect on how much your premium is. Case in point, students leaving their rural home to go to a college in a major city will see a significant increase in their premium. It is usually wiser to stay under your parent's policy if possible, and keep your car registered under your parents' names. In this set-up, you will probably contend with a substantially lower premium. You might want to get a different car as well. Based on the place you will be getting your college degree and the insurance policy, a cheaper vehicle can help you lessen your premium costs. If you are on studying in a different town, be sure to check that state's auto insurance requirements and see if your auto insurance policy honors these wants.

If public transportation is not difficult to come by in the city where you will be enrolling in, consider leaving your car in your house and simply use it during breaks as an occasional driver. A number of insurance providers would reduce your premium if the car stays with your mother and father.

Clearly, foregoing vehicle insurance just so you have money for books or rent is not the best decision. Remember that if you crashed your car and you have no insurance, you can face a suspension or revocation of your driving privileges, pay hefty fines, be jailed, or be hit with credit score problems. All of these can make college life less exciting for you and to a certain degree could negatively affect your future. Although looking for the the best auto insurance for college students requires time and a bit of effort, it pays to do the research just the same.

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