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There are many reasons why young people pay more for auto insurance. This includes the obvious, such as a lack of driving experience and high crash statistics. The good news is that affordable student auto insurance is possible by taking advantage of all the discounts available. Almost all auto insurers offer discounts, even for teens. You can also get estimates in just seconds by entering quick information about your age, car, and zip code. These are some of the most common discounts young drivers can take advantage of.

1. Good discounts for students

Young people in high school or college may qualify for a car insurance discount just for being students, but there is a catch. The student needs to have and maintain good grades. Students can save a lot of money by working hard in class and getting good grades. Auto insurers have amassed massive amounts of accident data, and statistics show that drivers who excel academically are also much safer drivers. Auto insurance companies price premiums based on perceived risk and therefore offer discounts to less risky drivers, such as those with good grades. Getting good grades requires sustained discipline and control, qualities that make for excellent drivers.

Good Student Discount Ratings

* Most insurance companies offer these discounted rates to active students who maintain a GPA B or higher for the course of a school year. The good discount for students is usually a 10% discount on the auto insurance premium. Hard work pays off in the classroom and it also saves you a lot of money, so study hard!

* You must be a full-time student. Part-time college students may not qualify for this type of discount.

* There is an age limit for students of 25 years.

If you are a parent who pays for your child’s auto insurance, use this discount as a motivator. If your child misses this great student discount this year, help him improve his grades and qualify for the following year. One idea is to offer help paying for a new car with the insurance savings that comes from getting excellent grades.

2. Safety classes for certified drivers

Another smart way to get cheaper student car insurance and learn a lot is to complete a certified driver’s education class. These classes are typically taught by highway patrol officers and other highly experienced drivers, who have a wealth of driving knowledge to share. Not only will you learn to drive better, but after successfully passing the class, you can save up to 10% on your coverage. A good tip is to make sure that the class you intend to take is certified, so that insurance companies will recognize it and give you this important discount.

3. Buy a car that is cheaper to insure

The vehicle you are insuring is one of the biggest factors that will affect car registration fees. When you are a young driver and student, you already face rates that are on average twice those of most drivers over the age of 25. The car you drive can help you get lower rates or make your premiums skyrocket. Stay away from exotic sports cars like a Porsche, expensive new cars, and vehicles that are always at the top of the most stolen list. Consider buying a used car like a Toyota Camry that is fun to drive, safe, and cheaper for students to insure.

4. Get discounts for resident students

Students attending a college or university in another city or state (often more than 100 miles) may qualify for a resident student discount. This little-known discount applies to those students who plan not to drive while enrolled in school and only on limited occasions, such as winter and summer vacations. A student who wishes to obtain these special low rates must provide proof, such as an admission letter, with the address of the university. In addition, the car insurer will require valid proof of mileage and may also impose other restrictions on the driver.

5. Find the Cheapest Student Car Insurance Online

Thanks to the web, finding the cheapest rates on student car insurance is easier than ever. Plus, you can compare various rates in just a few minutes and find the policy that is best for you.

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