The best way to find cheap car insurance for college students is to compare insurance premiums for the type of policy you want from various insurance companies. Different insurers will offer different rates for similar insurance policies.
The easiest way to compare many different companies auto insurance costs is to submit a request for auto insurance quotes through a free auto insurance quote website. Free auto insurance quote websites will provide a single form for the consumer to complete and then will submit the form to various insurers and return the insurers’ quotes for the auto insurance electronically to the consumer.
Searching For Cheap Full Coverage Car Insurance For College Students
Before beginning a search for cheap car insurance for college students it is important to know what the mandated auto insurance requirements are in your state. Many websites will have information about the auto insurance required to drive legally in each state. The most reliable sites are the state government sites.
Almost all states require a minimum amount of auto liability insurance and some states also require personal injury and others uninsured motorist insurance. The limits of required auto insurance policies are generally very low. Purchasing more than the required minimum of liability insurance is a good idea. If you cause a serious accident the medical expenses of others injured in the accident can quickly become quite substantial. Full coverage car insurance is required for such situations. We recommend you to look at the average cheap full coverage car insurance prices.
The driver at fault in the accident can be held personally liable for the medical expenses of others injured in the accident in excess of the insured’s insurance policy limits. There are better ways to save money on auto insurance than to skimp on liability insurance coverage. For example, many college students may already be covered by a comprehensive health insurance policy that will cover their medical expenses if they are injured in a car accident.
This may make purchasing personal injury insurance as part of an auto insurance policy unnecessary. No state requires drivers to carry collision or comprehensive insurance to pay for repairs to the insured’s vehicle. If the vehicle you are driving has a fair market value of less than the cost of one year of collision and comprehensive insurance college students may decide to pay for damage or replacement of their vehicle out of their pocket and forego adding collision and comprehensive coverage to their auto insurance package. If the vehicle is financed the lender may require collision and comprehensive coverage as a condition of the vehicle loan.
If you determine you need to carry collision and comprehensive insurance you can reduce the cost by establishing a higher deducible. The higher the deductible is set the lower the cost of collision and comprehensive coverage.
To Find Cheap Full Coverage Car Insurance For College Students Look for Insurers With Premium Discounts
Insurance companies offer premium discounts. Often consumers overlook premium discounts as a way of saving money.
For full time students looking for cheap car insurance for college students a good student discount may help lower auto insurance costs. Ask insurers you are considering if they offer premium discounts for full time students with good grades. Many young drivers will have completed safe driver training courses that may qualify them for another premium discount. Insurers also offer multi-policy and multi-vehicle discounts. If you also have a homeowner’s insurance policy or a renter’s insurance policy check to see if premium discounts are available when you purchase all your insurance policies through the same insurer.
If you are insuring more than one vehicle insurers typically offer premium discounts for the second and subsequent vehicles insured with the same insurer. Often college students live on campus and do not drive every day or very far. Low mileage premium discounts are available for those drivers who drive fewer miles than the average driver.
Affiliate discounts are also available for those who belong to professional, social or not for profit organizations that have an affiliate relationship with an insurer. Check with organizations you are a member of to determine if they have affiliate relationships with any insurer or ask the insurers you are considering for a list of affiliate discounts they offer.
Other Factors Which Help in Finding Cheap Full Coverage Car Insurance For College Students
A college student with a good driving record – no recent traffic citations or accidents – will pay less for auto insurance. A college student with a good credit score will pay less for auto insurance.
A college student with a history of not filing insurance claims in the past three or in some cases five years will pay less for car insurance. College students will also save money on auto insurance if they drive a vehicle that is not expensive to repair, a vehicle that has a good safety rating, and a vehicle that is not built to drive fast. You can find an average insurance rate for various makes and models on the Internet. If you are purchasing a car it is worth it to check and see how insurers rate the make and models you are considering.
When Looking For Cheap Full Coverage Car Insurance For College Students Consider The Reputation of The Insurer
The cheapest car insurance deal is not always the best car insurance for you. Consumers need to make sure the insurers offering low cost insurance are also offering quality customer and claims service. Consumers can check with the state agency licensing insurers to sell auto insurance in their state to find statistics about complaints current customers have filed with the state against the insurer they are considering.
Consumers can check with the JD Powers survey of customer satisfaction with their insurers. It is also a good idea to check with family and friends to see if they have had positive experiences with insurers you are considering. Another first hand source of information is to ask local body shops that do claims repairs for many different insurers which insurers are easy to work with and which are difficult. It is worth it to spend a little time researching an insurer’s reputation before you purchase insurance.