Finding cheap auto insurance for college students can be difficult. College can be expensive enough without the high cost of car insurance, so it is important to save every dollar you can. It is important to get auto insurance at the best price but also with the right coverage you need. Since college students are usually below the age of 25, they generally pay more than most for car insurance prices. In this article we want to go over quality information to help college students find the best and cheapest possible auto insurance.
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Tips for college students to save money on auto insurance
The biggest tip we can give college students to save on car insurance is to stay on your parents' policy as long as you can. You can use the discounts your parents have on their policy to your benefit. When young drivers go out on their own policy it can cost up to 40% more than staying on your parents' policy. Here are some more tips for college students to save money on car insurance:
· Sign up for auto pay
· Sign up for paperless billing
· Keep continuous auto insurance for at least 6 months
· Keep a good credit history
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How to find the best auto insurance companies for college students
Since the majority of college students are 25 or below the cost that auto insurance companies charge can be expensive. But we have found some carriers that we think can provide affordable auto insurance coverage for college students.
If you are active military or have served in the past USAA has affordable rates for college age drivers. They are very well known and been in business for a very long time. For everyone else we have found Geico and State Farm have some of the top rates for college age students.
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But if you have a troubled driving record or no insurance history then we have found that nonstandard auto insurance companies have the best auto insurance rates. There are too many of these companies to name. Most of these companies are smaller regional carriers and you may not be familiar with their name brand but some are very quality companies who provide a great price for college students on their auto insurance. Just because a company doesn’t spend millions on advertising doesn’t mean they are any less quality than the big brand names.
Additional resources on nonstandard auto insurance companies for college students:
How to find cheap auto insurance quotes for college students
Finding cheap auto insurance quotes for college students is the same process as it would be for any age bracket and that is get as many quotes as possible. The more quotes you get the better your chances of find the best rate become. But like we mentioned above the best way to have the cheapest quote for college students is to stay on your parents' policy as long as possible. But we understand that is not possible for everyone. So, there are a few more tips we found below for you that you can use to get a few more discounts.
· Ask for a good student discount
· Take a defensive driver course
· Be sure to shop around at renewal to make sure your current company is still best
· Pay your policy in full for 6 months
Be sure to always to ask your insurance agent or company for any other discounts you may qualify for. Because many agents work on commission they may not disclose all discounts up front so its always good to double check with them.
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Should college students purchase their own car insurance policy?
The answer to this question depends on many different factors, if you are going to price alone like we mentioned above its best to stay on your parents' policy as long as you can. But it really depends on where you will be living and who the title holder of the car is. If the car is titled in your name exclusively and you have moved out permanently it is wise to get your own insurance policy. It is important to note though that this will cost more money but will get you covered the proper way. And If you have ever been involved in an accident you know how important it is to have the proper coverage, it can be costly if you do not.
If you are a parent and want to keep you child on your policy and they are going to school out of state, we recommend you contact your insurance company and ask if the coverage will extend. This will vary between each company on how they handle it and will probably depend on whether or not that company writes business in the state your child is going to school in.
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FAQ’s on auto insurance for college students:
What do you do with car insurance when your child goes to college? Students who are off at college but still use their parents' home as their permanent address can usually stay on their parents' policy. But we recommend contacting your insurance company to find out how they want you to handle it.
Do college students get discounts on car insurance? Yes, most auto insurance companies offer the same discounts no matter of your age.
How much is auto insurance for a college student? There are many different factors that go in to auto insurance prices for college students so there is no exact rate to be given because every company and situation is different. But we have found that drivers under 25 years of age pay among the highest auto insurance rates.
Is it cheaper to be on your parents' car insurance? Yes, in most all cases it is cheaper for college students to stay on their parents' policy.
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