As a college student, the last thing on your mind is student auto insurance. Schoolwork, relationships and the social scene all take over, causing you to lose track of what is and isn’t important. Winning last night’s beer pong tournament? Not important. Getting a manicure to impress the cute guy in your psychology class? Definitely not important. What is important, however, is taking the time to obtain student auto insurance if you already do or plan on having a car on campus.

Although people under the age of 25 aren’t quite eligible yet for the most competitive auto insurance quotes, you can still take steps to ensure you obtain the lowest student auto insurance rates available to you. Start by going online and comparing student auto insurance quotes today. Remember that multiple sources, particularly the Insurance Information Institute, suggest you obtain quotes from at least three companies before picking the most attractive offer.

Since young drivers are considered high-risk threats on the road, most insurance providers are wary of insuring them. The ones that do get approved, however, still have to pay a higher premium on their student auto insurance than people over the age of 25. Fortunately, there are ways to ensure you lower your premium to the best of your ability:

1. Keep your driving record clean.If you manage to keep your driving record pristine, your insurance provider will reward you by dropping your student auto insurance rates.
2. Take a class or two.You can never have too much education, and by enrolling in a defensive driving class, you can show your insurer that you are devoted to become a safe and responsible driver.
3. Join your parent’s policy.Your parents will obviously have to agree to this, but if they allow you to join their policy, your savings on student auto insurance will increase drastically.
4. Ask about discounts.Too many young drivers forget to inquire about any discounts they could be eligible for. If you are a good student with good grades, your insurer might reward you for your hard work in the classroom.

Don’t Pass on Student Auto Insurance

Being a student has its advantages. However, just like with everything else, it also has its flaws. Money is not easy to come by these days, especially for college students who spend the majority of their day in the library studying. Unfortunately, student auto insurance is something every student needs to possess if they own a car on campus. Rates might not be initially cheap, but with a little guidance, you can ensure you receive quality student auto insurance rates at an affordable price.

Staff contribution: Rafael Onak

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