If you are looking for a way to get car insurance for your car and you are a college student, you know that is not easy to find cheap rates, because college students are considered reckless drivers by auto insurance companies, however there are ways to get lower rates.

You should shop around search and compare car insurance rates from different companies, there is not single best company. Depending on your age, sex and type of vehicle you may be able to get lower rates, but you need to look for discounts.

As a college student you can get a discount for having good grades, having low mileage, taking a driving course, not driving at night and others.

But one of the most recommended ways to pay low insurance rates is to be included in your own parents auto insurance policy.

Now its time for you to do your or car insurance search, to compare insurance quotes enter your zip code in the box above this page.

Are you are college student? Do you have a car or plan to buy one?

Car insurance is required for every driver, no matter their age. Certain groups of people are considered safer drivers and consequently are charged less for insurance. Unfortunately, students do not fall into this group. College students and people under the age of 25 typically are charged quite a bit for insurance. This is because the insurance companies perceive see younger drivers as more high-risk. They get in more accidents, cause more monetary, physical and bodily damage and deaths. Therefore, they are charged higher premiums.

“It is possible to reduce your rates if you are a safe driver and you dont have tickets, you can ask for discounts to your insurance agent”

The average college student will have to pay somewhere in the neighborhood of $1500 to $4500 a year just for car insurance. Male college students will be forced to pay on the high end of this range. Many college students who are struggling just make their monthly car payments may be tempted to either skimp on insurance or not purchase it at all. This is illegal and is a crapshoot. If that student were to get into any type of wreck (no matter how minor), or if anyone gets hurt while they are driving, they could be in a world of trouble, fast. They may have their license taken away and suspended. They could also end up in jail or sued for the costs of medical treatments. Therefore, it is very important for students to get car insurance even if they are short on cash.

While college students have been found to be the group of drivers that pose the highest risk, there are things that students can do to get their insurance rates reduced. These include making sure that they have good grades. Larger insurance companies will offer some sort of discount for students that have a grade-point average of 3.0 or higher. If they make the Dean’s list or honor roll, then they can also qualify for lower interest rates. Girls are charged less then boys because males are seen as riskier drivers.

Students going to school in a rural area are charged less then students whose schools are in larger cities. Living close to one’s job or school can also be a benefit. Students should carefully re-consider buying a sports car. Sports cars are more expensive to insure as are convertibles. Bigger and newer cars are less expensive. Good credit can also lower insurance costs.

Any Car that is expensive to repair or replace has high insurance cost so you need to keep that in mind when buying a new car

Students should look for cars that have safety features such as airbags, an alarm and a stability system because this will save them money on insurance as well. Driving carefully is also important. Getting traffic citations or tickets can skyrocket one’s insurance rates very quickly and substantially. To secure the best insurance rates, college students should do some comparison shopping. The Internet is a great place to a check out and compare car insurance rates. Students may also want to find an agent because they will likely be able to secure the best deals. Taking a driving or safety course may also may lower insurance premiums.

Ask for any possible additional discounts to your insurance company, that you may qualify for

For secrets to superb loan deals for students visit http://www.secondchanceloans.info If you’ve already tried to get a loan without success try second chance auto loans.

I want to buy a corolla 1996, comes with VIPER anti theft, im a male with one speeding ticket. How would you find the best rates for car insurance? I got the best deal from geico, the minimum plan for $600 for 6 months and they gave me a student discount. However the last owner of the vehicle paid $300 for 6 months.

can you give me any tips to lower my insurance rate? What other discounts can i ask for? i am attending University in Omaha Nebraska.

R:

Well, the reality is that car insurance for students is never cheap i think that is why the last owner paid much less, however as you said you can get good student discounts.

You can ask your insurance company for any additional auto insurance discounts, but here are some ideas of what you could get discounts for:

For multiple car discount
For having good grades at school
For being a good driver
For not driving at night
For having a good driving record
For taking a defensive driving course
For installing safety devices such as air bags, anti theft, alarm system

You can also get a discount if you only use the car to go to school.

But also remember that you can reduce your premium cost by increasing your deductibles, but this is something that you have to decide, because you need to be able to afford the deductible in case of an accident.

I got very good student auto insurance rates by comparing quotes from different insurance companies, you can do the same just enter your zip code in the banner above to start.

I have very limited income, should id get liability car insurance or full coverage, if i get full coverage it will be harder to save money but covers the car if an accident happens, on the other hand if i get liability it is easier for me to save money but if the car gets wrecked im screwed, what should i do?

R:

What is the real value of your Car? If the value is less that $2,500 then there is no point i getting full coverage. If the value is more than $2,500 then get full coverage. If you choose a high deductible about $1000 you will be able to pay less for the premium.

But you should at least have liability coveragee or you could be personally held responsible for any bodily or material damage your accident may cause.

Also collision coverage is optional, but if your car is totaled you will have a problem, it depends on the value of your car.

Im just starting college and my mother want me to get my own auto insurance, but i have no clue what is the cheapest company or place to go and need something cheap because im a full time student with minimum wage paying job. I want to get that cost no more than $200 a month, any ideas?

R:

Well is hard to say because i dont even know if you require full coverage or not, however i pay $50 dollars a month fo full coverage, but im in my mid 30s with a perfect record and married.

For younger people under 25 insurance costs are high, but you can get bette rates depending on your own record, for example if you have a good driving record, no tickets, you car has safety devices, you have good grades and you have low mileage then you can get cheaper rates that most students or you can ask for student discounts.

But the first thing that you have to do is to start getting some quotes online, it does not cost you anything and is easy to do just click the banner below to get started.

What insurance has the most reasonable price and the best useful facilities?

R:

Unfortunately there is not one best company for everyone, every person is different and have a different age, location, history, etc. The best thing you can do is to go online and compare quotes from different companies and see what is best for your.

You are certainly looking for something cheap, well if you are under 25 and you are a first time driver it will not be easy to find something cheap, because young people are classified as high risk and since you dont have a driving record you cant expect to get cheap rates.

However there are ways to get good discounts for students if you will only drive for short periods of time and you will use only low mileage, also the type of car that you are driving influence the price. If you have good grades at school, if your car has safety devices, you can get discounts.

There are other ways to lower your costs, you could use your parents insurance policy if you live with them, you can also increase your deductible to lower your premium costs.

Those are a few tips to get the best rates, but never lie, companies do check what you are saying so just be honest and compare car insurance quotes onlines is easy and can give you a good idea of what to expect.

I live in the South of Florida, im 20 years old, full time college student. I have high GPA (good student discount) and have clean driving record and good credit history. Please give me some advice on low cost car insurance companies.

R:

There are various things that you can do to keep your costs low. Even though insurance costs for students under 25 is high you can get good discounts. Is important that you compare quotes with different companies.

You may be able to get some guidance from your college, since there must be many other students looking for insurance.

You can keep you costs low by only buying the minimum required insurance in your state law. You may be able to skip comprehensive and collision coverages which are costly. The only downside is that you will have to pay the cost to repair or replace your car in case of an accident, so it is a risk that you have to decide.

But first ask for any student discounts that you can get:

for example you can use your parents policy if you live with them and it will be much cheaper

enroll in a defensive driving course

install safety devices in your car

drive less and get a low mileage discount

compare quotes

have good grades and ask for a discount

And lastly keep in mind that if you increase your deductible you can lower your premium costs, just be aware that in case of an accident you will have to take more money out of your pocket.

im am a broke college student, with a monthly car payment of $200, my insurance cost monthly $240. So each month i pay about $450 for a car plus full coverage, with a deductible of $500. I have found that if i choose a deductible of $1000 or more i can save over 100 dollars a month on auto insurance, is this a good or bad idea?

You need to make sure that you can pay $1000 in case of a car accident. If you can save $100 dollars per month you just need to 5 months without any incident to break even. After that time you will be saving money.

Just make sure that you set aside $1000 dollars to pay your deductible in case of an accident.

Be sure to also ask your company for additional student discounts and compare quotes from different companies.

If you are moving to a different town but you want to keep your current local car insurance it can be risky, if you have an accident, your insurance company can deny your claim just because the incident was not in the town were you got your insurance.

So it is highly recommended to get a new insurance if you are moving to another South Carolina or any other town. In fact if you do not tell your insurance company that you are moving and you file a claim you can even be in trouble for fraud.

So you need to just buy a new Insurance all over again, but dont forget to get care insurance discount for students, there are many ways to qualify for ones.

Compare online quotes and get the best option and coverage for your car.

If you have a child that goes to college you may be worried about your car insurance. Freshman students usually are not allow to have cars on campus, but the rest of the students usually bring a car to the school.

You need to have the proper insurance coverage for your car, one option is to not allow your child to take the car to school, but it may not be the solution for you and your child.

If you let your child to take the car to college you should notify your insurance company and tell them if the car will be housed in another location. You insurance company may change your premium and either increase it or decrease it.

Usually insurance costs are higher for people under 25 due to the risks involved. But you can get a discount if your child qualifies like if the car has safety devices, good grades, taking a driving course, etc.

If the car is new your child can get your insurance policy but he needs to live at your house. If you are going to get a new insurance at his name then you should ask for any possible discounts.