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How To Get Cheaper Car Insurance As A College Student

Have you ever thought of what might happen if your car is stolen or you were involved in an accident, as a college student the effect of this might be disastrous and might affect you mentally and also have a negative effect on your academics. The question here is “are you willing to take the risk and wish nothing happens to your vehicle or opt for a cheap car insurance that specifically focuses on college students.

This article would show you how to get cheap car insurance as a college student and also the benefits of insuring your car as a student.

What is Car Insurance?

Car insurance also known as Automotive insurance or vehicle insurance is an agreed policy between a car owner and an insurance provider that the latter will cover all expenses concerning a car in case of damages and third-person liabilities claims.

Traditional car insurance provides coverage for your car in case of theft, vandalism, fire, natural disasters and accidents.

Car insurance companies might also offer coverages for any expenses incurred from damages to another person while using the insured car.

Car insurance varies by the particular coverage they offer and the legal process underlying each of them.

Popular car insurance coverage offered by most insurance companies includes; Third-party car insurance, Comprehensive car insurance, and pay-as-you-drive insurance.

A good car insurance coverage will manage and support you through the entire process of dealing with the damage.

How To Get Cheap Car Insurance As A College Student

As a student you wouldn’t want to spend more on getting a car insurance coverage, taking into considerations other expenditures that comes alongside your stay in college. 

This section would tell you every secret and tips you need to know on how to get cheap car insurance as a college student.

You Can Also Read: How To Get Ford Student Discount 2022 | Get $750 Off While Purchasing Ford

1. Always Check For The Cost Of Insurance Before Buying A Car

The cost of insuring a Ferrari or Lamborghini would be way much than insuring a sedan or Volvo. So the first hack on getting cheap insurance as a college student starts from the time you think of purchasing a vehicle, always go for low budget vehicles which have low insurance cost.

You should properly research how much it will cost to insure a particular vehicle before buying it.

The bigger and more expensive your car is, the more it will cost to insure. If affordable insurance and great coverage are what you seek, you’ll have a very difficult time finding that with a large vehicle.

2. Research thoroughly on cheap car insurance

Another great step to take in finding cheap car insurance for college student is researching thoroughly and coming out with lists of cheap insurance plans that match your budget.

Most low-tier auto insurance companies might spend a large amount of money advertising cheap insurance rates while they end up offering poor services.

Thorough research will help you see beyond this smokescreen as you’ll be able to find accurate complaints and customer satisfaction levels when researching.

3. Compare Car insurance quotes

Comparing auto insurance rates is a great way to ensure you’re getting the cheapest auto insurance. Sites like allow you to evaluate coverage plans in your area by reviewing several big-name companies and smaller brands to make sure you’re getting the best deal possible.

4. Always ask for discounts

Insurance companies always provide discounts for college students but might not reveal them to you until you ask, so man sure you always inquire about available discounts for college students before picking an insurance company to partner with.

Discounts can be offered to students who maintain good grades, children of serving or retired military personnel, students living a far distance from the school, people who complete safe driver courses, and members of certain organizations.

Also Read: How To Graduate With 4.5 GPA

5. Keep A Clean Driving Record

Most insurance company wouldn’t want to partner with you if you have a history of rough driving or accidents. Even if they partner with you the cost would be high because there is a high percentage you might get yourself involve in another accident or any other rough activity.

Keeping a clean driving record is one of the easiest ways of obtaining cheap car insurance as a student. Most car insurance companies offer impressive rates for good drivers, especially those with no record of even a parking or speeding ticket.

6. Improve Your Driving Habits

Of recent most big nsurance companies now use elematic devices that can be installed in your vehicle to monitor your driving. If it detects that you’re a cautious driver, information can be transmitted to the company to get you cheaper auto insurance.

This is one of the best ways of getting cheap car insurance as a college student.

7. Try Partnering With Local And Regional Insurer 

Auto insurance in America is mainly dominated by four main companies namely; Progressive, Geico, State Farm, and Allstate.

Local and regional insurance companies might offer impressive rates and services as they are still in the early stages of trying to make a name for themselves.

8. Use Your Credit Card Rewards

Top dogs in the insurance industries always partner with diggerent banks to offer discounts on insurance as a reward for the frequent use of your credit card. Look for this form of reward when you cash in with your bank.

9. Improve your credit score

Your credit score directly affects the car insurance quotes you will receive. Having a poor credit score has the potential of increasing your car insurance rates.

The possibility of your credit score affecting your insurance rate varies from state to state with it having no effect in some states like Hawaii and Michigan.

10. Find Cash-Back Offers

Insurance companies often post deals, discounts, and special promotions through cash-back websites. When you purchase products or use a service on websites like ShopAtHome, ExtraBux, and Ebates, you’ll receive promotions and offers as rewards for your spending.

Frequently Asked Question

Why Is Car Insurance So Expensive For College Students?

Students tend to pay high rates for policies because they are young, and insurance companies consider young drivers to be higher-risk.

What Gpa Is Required For State Farm Good Student Discount?

The State Farm good-student discount can save you up to 25% on your auto insurance when a full-time high school or college student on your policy maintains a 3.0+ GPA, is ranked in the top 20% of their class, or is named to the Dean’s List/Honor Roll in a given semester.

Can Being A Good Student Decrease Your Personal Automobile Policy Insurance Premiums?

Yes, Good student discounts reward high-school and college-age drivers who earn good grades with lower premiums on their car insurance.


This article have highlighted all the ways on how to get cheaper car insurance as a college student, it is wise to secure your vehicles so when damages or theft occur you wouldn’t be thinking of spending huge sum of money for replacement or repairs.


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