Newskritis.com-It’s easy to make mistakes when buying car insurance for college students. Most of us are just starting out in our lives as parents and have limited funds. Unfortunately, we are also limited in our knowledge about what kinds of options we have available to us in terms of car insurance. Let me tell you what you need to know before you purchase car insurance for college students.
You need student car insurance because after college, students live on their own. Whether they live in dorms, apartments, or even in shared homes with multiple other students, they need their own insurance to stay safe. Also, if they live by themselves apart from their parents, they have to buy their own individual car insurance. It’s understandable that young people want to save money, but you don’t want to be liable for the actions of one of your students.
Car Insurance For College Students
Fortunately, there are a few great insurance companies that cater to college students. Allstate is one company that has been around for a long time and continues to be a popular option. Allstate offers many different types of insurance policies, so you’re sure to find something that will work well for you and your needs. Allstate offers many different plans, so it’s important that you shop around to find the best deal. Here are some of the advantages you can enjoy by choosing Allstate as your college’s insurance provider:
Allstate insurance companies offer resident student discounts. This means that you might consider taking out an additional policy through Allstate. Some of the options you might consider include accident protection, rental car insurance, and liability coverage. In addition, if you plan on attending more than one college on a regular basis, you might consider getting double-coverage – meaning you would get a discount on your homeowner’s and renter’s insurance as well.
If you have never driven a car before, you can take advantage of special discounts offered through your insurance company. For example, if you have taken a drivers education course and have finished all of your classes on time, you should be able to qualify for a safe drivers discount. In addition, if you have signed up with an insurance company as a college student, your insurance company may give you a low rate for continued coverage after you turn twenty one. If you want to get even lower rates, you should start looking for discount auto insurance right away.
Perhaps the best way to save money on your premium is to drive safely. If you have never driven a car before, you can probably afford to make a few mistakes along the way. However, if you already know how to handle the car you are driving and are concerned about earning a college degree, you might consider getting some traffic school. It is perfectly acceptable to earn a few tickets while you are in college, but earning a traffic school discount can save you hundreds of dollars in the long run. Some traffic schools even offer a free traffic school when you sign up for a student discount policy!
Also, many insurance companies will discount your rates if you agree to reduce your driving mileage. This is a great incentive for new drivers, especially those who live far from the nearest college campus. It can save you up to five hundred dollars per year. You can talk to your insurance company about this type of discount.
Another thing you can do to save money on your premium is to use your parents’ car insurance policy. Even though this will only cover your vehicle for roadways, it will almost always come in handy if you crash or hurt somebody else while driving off campus. It is very common for parents’ policies to cover their teens towing and liability. Many companies will also waive collision and comprehensive coverage altogether if you agree to modify your coverage so that it covers only your vehicle. In addition, some companies will allow you to add your teen driver to an existing policy that already has comprehensive and collision coverage.