There are many auto insurance companies that offer a wide variety of plans that you can choose from, you as a student cant afford to pay high prices for an insurance but by law you need to have at least liability insurance, if you can afford comprehensive is much better.

However for young people under 25 insurance costs are high due to several risks that insurance companies factor, but you can significantly reduce your costs and have a good quote by doing a few things:

if you have good school grades you may qualify for a discount

if you drive safely and careful you can also have a discount

if you enroll in a drivers education class too

if you set your deductibles high you will get cheaper insurance

ask your insurance company for any additional student discounts that you may qualify.

Another factor that can help to reduce costs is to check for insurance costs of a car before buying it, some models of cars have higher insurance costs.

have a good credit rating

Those are a few tips to keep your quotes at low prices, but every particular case is different, your age, sex, where you live, how long you have been driving all those are factors that the insurance companies check to dedice the cost.

compare different student car insurance quotes, you may find some good options also ask for student discounts. There are insurances for under $100 a month.

Are you a parent or guardian of a teenager who just got awarded a drivers license? Have you been scratching your head because you cant think of anything that could validate an increase of three or four times on your motor vehicle insurance premiums, just because you added a new driver under your car insurance policy? If you find yourself under this situation then here are some detail things you need to now about, and some effective ways to avoid breaking your bank on insuring your new driver.

New Driver Car Insurance

Read the rest of this entry

IF you are in high school and you need to drive a car to go to school or do your daily tasks then you need to have car insurance. Unfortunately car insurance for high school students is not cheap, in fact in can be very expensive in some cases, but there are ways to get cheaper rates.

If you are first time driver or you dont have much experience is important that you take a driving course certificate, otherwise you will pay higher rates. For an auto insurance company a first time driver is a high risk driver.

Keep you mileage low, as a high school student you are very young and thus you rates will be very high unless you can keep your mileage as low as possible. For example if you use your car to go to school, then use it for only for that, if an insurance company see that you drive less than 10,000 or 5,000 miles a year, they will lower you rates.

Use a cheap car, avoid brand new expensive cars and sports car, they pay higher rates.

Those are just some tips, you can also increase your deductible to pay lower premiums.

To compare auto insurance quotes online, just enter your zip code in the box above this page.

Are you a student with a car and you dont have auto insurance yet? Dont even think about driving without reading this important tips:

One critical factor that students who drive overlook, is taking Car Insurance. Given the fact that students tend to use their cars more often and also drive them erratically at times, it is highly important for them to take this insurance.

Without proper insurance, it will be difficult for a student to deal with any damages resulting from car accident be it minor or severe. That’s why they are best advised to take it. The policy type that is recommended for them is comprehensive coverage as this kind of a policy looks into all requirements such as injuries to the driver, damages made to the car, injuries to others and medical treatment costs. In addition to this there are other types of car insurances also such as catastrophic insurance and special policies and so on. Students are advised to go through the other policy types so that they are aware of such options and if required, choose one that suits their specific needs.

Comprehensive coverage also protects your car from fire, vandalism, theft, natural disasters and other types of damage when your car is not in motion.

Though student car insurance has been devised keeping in mind factors such as how much students can afford towards proper car insurance, it is also important to state that since students pose a higher risk of insurance for the insurance company, the cost of this insurance is somewhat on the higher side. However, this should not stop students from taking the policy. There are ways to reduce the cost.

One simple way to reduce its cost is by driving safely. This is something that won’t just help keep insurance costs low, it is also something that can save a student from a lot of unnecessary trouble. Another option is to pay a higher deductible as this will definitely reduce premium payments. Finally, checking out as many car insurance companies as you can is necessary as this can help you find a reliable car insurance provider who gives you the best rates.

Ask your insurance company for any additional discounts, you can reduce your rates for having good grades, good driving record, taking a driving course and more.

Sturat enjoys writing and sharing articles on topics like student car insurance and life insurance.

I am 19 years old college student and have a car that my parents bought, the only thing i have to pay is the insurance, is crazy but im fine with that.

I dont have idea of how often i should paid for it. I know that it can vary depending on what plan i have, but i have to pay $200 a month and my mom is known to be a deceptive person.

$200 a month? Maybe others can tell me their experience?

R:

Car insurance can be paid monthly, quarterly or annyally, $200 a month for your age is not that bad.

The fact is that even if the car is from your mom she has to declare that you are the driver and for a 19 year old students car insurance rates are higher than for older people due to the statistics higher risk of accidents and claims they have.

However once you reach 21 you premiums should go down and when you reach 25 you should be able to get cheaper rates. It really varies from one insurer to the other but car insurance is not cheap for students.

But you can ask for students discounts, calle your insurance company and ask them about any additional discounts you could get for example:

good driving record
installing safety devices on your car
good school grades
taking a driving course
not driving at night
etc.

If you want you can get auto insurance quotes from different companies and compare their rates, is very easy to do it only all you have to do is fill your zip code in the banner above to begin.

I am looking for a car that can last me for the rest of may years in college, i want a car that is reliable and nice. Any suggestions on car insurnace and cars that are good for college students? I have a 3.0 gpa, so i may hopefuly get one of those student discounts.

R:

Well, you should be careful, if you really need a car and you have the money for it then get one that is not expensive and that it does not cost much to repair avoid sports cars because they cost more to insure.

The fact is that car insurance for students in NJ is not cheap, it will cost you so you need to have money. If you know what car you want then you can get some quotes online for auto insurance and compare the rates that each company gives you, then you can ask them for additional student discounts, you have good grades so that may help you also take a driving course and install safety devices to get a discount.

I found some very good prices for car insurance by comparing rates, just enter you zip code below.

If im a 19 year old student that causes a car accident am im the only liable party? Both of my parents are divorced and help to pay for his college education, but neither one have a car insurance on the student, but the mother claims the student as dependent for taxes. Are the parents liable for personal injury or property damages or claims from the injured party?

R:

The driver is liable, however the owner of the car will get in trouble if the auto is not insured. The insurance company may refuse to pay if a person not covered was driving. What this means is that the car driver and the car owner will have to pay for all the damage and medical bills.

Is better that you get your own car insurance to be safe or tell your parents to get one that you can use, if you get in to an accident it can be very costly.

You can get insurance quotes online very easy just click the banner below and you are ready to go.

I only make about 400 dollars a month i need the cheapest quote possible, where can i get it?

R:

Well, there are many factors that will affect the kind of cost that you will have to pay for car insurance, there are coverage plans that cost $800 per 6 months so that is not bad. However the prices depends on your driving record, sex, age, credit history, type of car and other things.

Usually car insurance is not cheap for students under 25, but if you have good driving record, your car has safety devices and is a cheap model, you may be able to get a good discounts.

Increase your deductible and you will be able to pay a lower premium cost.

But the best thing that you can do at this moment is to compare quotes online, is very fast and easy and it does not cost anything.

I was wondering what do students with cars do when they go away to school where the dont need a car, but want to keep it for break or summer. I dont want to pay for insurance on the months im away, do insurance companies allow to only pay for the months i will use it?

R:

The fact is that while you car is license it needs to have an insurance, you could place your car in a non-op status then you dont need insurance, but the problem of getting it re registered every time you use it, makes is a full time insurance the best way to go.

You could get an insurance on a monthly basis, but the best rates are obtained by having cotinuous insurance. Talk with your insurance company and ask them what rates they offer for low use vehicles.

Many companies give student discounts for a variety of reasons, if dont drive your car much and you have low mileage you can qualify for a discount. That might be better than canceling and re registering your insurance every break.

Get some car insurance student quotes and compare your options.

Im 22 years old female, college student, i have not had any tickets, i wanted to lease the car, but want to know what people think my insurance would be?

R:

Well the price of your insurance depends of many factors more than just your car, its the city where you live in, driving record, loss record, your credit history, age, gender, married status, etc.

If you have had a good driving record and you are a female you should be able to get a good price, however still dont expect something very cheap because you are under 25 and its considered high risk.

But you can get other student discounts like good grades, having safety devices, low mileage, taking a defensive driving course and others. Ask you insurance for additional discounts.

You an also reduce your premium by increasing your deductibles.

Shop around get free quotes and compare prices, just make sure that you have the right coverage for your car.

Im am 21 years old college student. I am in my junior year and just acquired a car, i always gotten a ride with my friends. I was looking for some quotes and got a quote from Farmers insurance for $2,600 for 6 months full coverage, what do you think? is this normal?

R:

Well, it is really expensive, but it is probably because your are a young driver and first time car owner. Once you are past 25 you will get much cheaper insurance, but you may want to try other companies and see what other quotes you get.

Insurance companies usually charge high rates to young students, but you should be able to get much better rates, depeding on your driving record history if you have no tickets, no accidents and have good credit history $2600 is pretty expensive and you should look other places.

You should ask different companies for student discounts and additional discounts like safety devices, low mileage, good driving record, high school grades, taking a defensive driving course, etc.

Also, if you increase your deductibles you will pay less premium rates. And also check your coverage, you need a minimum insurance coverage based on your state laws, you may not need comprehensive coverage but yo do need liability and bodily coverage.

Ask for quotes from different companies and discounts and then compare your options.