Best Auto Insurance for College Students

best auto insurance for college students

Getting the best auto insurance for college students isn’t always easy. After paying rent, tuition, books, and other expenses, you’re lucky if you have any money left over for yourself. Paying for costly auto insurance is the last thing you want to do. However, it’s very possible you can get good auto insurance with an affordable premium, even as a college student. You just need to know what you’re looking for and how to shop around.

Here are several ways to find the best auto insurance policy.

Check Out Campus Security Ahead of Time

Before you settle into your temporary residence, research the local crime statistics. By doing this, you know what to expect in the location and how to prepare for living in your new surroundings.

If you know you’re moving into a location with a higher crime rate and you’re bringing your car, ask your independent insurance agent what the best coverage for you would be if your car is ever stolen or vandalized. You may want to invest in an anti-theft device which can reduce the risk of your car being stolen and may even score you a discount on your auto insurance.

Bundle your Auto Insurance with Other Policies

Many college graduates often bundle their auto insurance with other insurance policies like their renters insurance; maybe even life insurance. This is great way to get a lower rate on your renters insurance. By bundling, you will not only save a little on your auto insurance, but you will on your other insurance products too.

Check your Credit Score

Your credit history is one of the first things the insurance companies look at to determine your premium. If your credit history isn’t that great, you will likely pay a higher premium.

Driving Record

Your driving record is another thing that insurers look at to determine if you’re a high risk or not. You’re already in a high-risk category for being young. But, if you have even one speeding ticket on your record, you can bet your insurance rate will skyrocket. Keep your driving record clean to give yourself a little break in your premium.

Good Grade Benefits

Most people already know about high school teenagers receiving auto insurance discounts for good grades. The good news is, you can enjoy this same discount if you get good grades in college until you’re 25 years old.

Most insurance companies will offer college students the opportunity to save money on their auto insurance premiums. If you use an independent insurance agency, they can get multiple auto insurance quotes from carriers to get you the best auto insurance deal possible.

To get multiple auto insurance quotes for college students instantly, complete our online insurance quote form here.