Student Car Insurance

The two most important things to consider when selecting student car insurance are the amount of coverage you receive and the deductible you have to pay if you get into a wreck. These amounts can change the amount of your yearly or monthly premium by hundreds of dollars. You may think that the best option is to select the least amount of coverage with the highest deductible, but that is not always the smartest thing to do. Instead, you will want to consider how much you can pay out of pocket if you do get into an accident. Will you be able to pay the deductible to get your car fixed? Can you afford out of pocket expenses for medical bills if you are hurt?

Coverage Levels

Most states have a minimum amount of average that you must carry. This amount can be from 10 to 20 thousand dollars for your vehicle and medical coverage. However, when choosing the right level, you should consider how much your car is worth and what type of supplemental medical coverage you carry. If you car is worth twenty thousand and you have no medical coverage, you could end up with huge bills if you get into an accident. Instead, make sure the amount of coverage you select will cover your car and a short hospital stay if you are hurt.

Choosing a Deductible

The deductible is the amount you will be required to pay out of pocket when you get into a wreck. If you are a full time student, you may not have two thousand dollars sitting around to cover a deductible. Make sure the deductible you choose for your student auto insurance is an amount that you can easily pay. In general, the higher your deductible, the lower your premium will be. Just make sure you don't go to a level that is impossible to pay or you could end up without a vehicle after an accident.

Many car insurance companies today offer discounts if you are part of a special group or if you have a good driving record. However, most online student car insurance companies are not going to offer this discounts unless you ask. Do your homework and find out what affiliations can offer you a discount. You can even get a discount if you have previously had car insurance. Make sure you talk to an insurance agent who is willing to help you find all the discounts you qualify for.

Discounts for Safe Driving and Previous Coverage

Most student car insurance policies will be cheaper if you have a good driving record or if you have had continuous insurance for the last six months. You should report any coverage you have already had, even if you were listed on your parent's policy. You can also get discounts if you have attended a safe driving class or if you completed a driver's education course. Make sure you have your certificate of completion available and you could experience significant savings. You will also want to be very careful when driving and avoid speeding tickets at all cost. A single speeding ticket can increase your insurance premium over 30%.

Memberships Can Be Very Beneficial

If you are a member of a student or professional organization, you could get cheap student auto insurance. Check with each company for a list of organizations and affiliations they offer discounts for. You may even qualify for cheaper rates if you have good grades in school. Again, the key is to ask about what discounts are available and to find an insurance agent that is willing to help you find discounts. In some cases, this may be difficult if the agent is paid a commission off of signing you up. However, when shopping online, you will find many agents are simply concerned with earning your business and will be very helpful. Shop around until you find the service you need.

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