Cheap Car Insurance For Students – Is There Such A
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Cheap Car Insurance For Students – Is There Such A Thing?
Cheap car insurance is out there
My college days were laced with phone calls from the motor vehicle department reminding me of my many speeding tickets and moving violations. Although they never revoked my license I dont think a driving record can get much worse without losing your license altogether. A driving record like that along with being younger than 25 years of age and you are looking at some very expensive insurance rates. At one time I had fifteen tickets on my record. Cheap car insurance was not the question. Getting at all was the issue. Many companies would not even insure me. Those that did would not touch me for less than 600 per month. To make a long story short I did end up with insurance that was affordable. Even with tickets from my state and 3 surrounding states.
What to watch out for
Before running out and getting quotes from all over the internet there are some things to know. I was able to find insurance for about 136 per month while having that driving record. I also forgot to say that I had one accident claim on record also. I was able to find very affordable insurance. The difference is the coverage. I did have to give some things up. Many companies are very different in what they offer. It could range from free vehicle towing to very high deductibles. Be sure to compare not only the quoted rate but the coverage also. And remember, in three years most states will clear your driving record and when you hit the age of 25 your rates improve dramatically.
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Cheap Auto Insurance Online For Your Teen
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So, you have a teen that is at the driving age. Choosing the right auto, the right insurance and the factors that determine price, is the purpose of this article.
Choosing the right auto is very important to getting cheap insurance. That flashy, red, convertible sports car really looks great, but the insurance for it with a teen driver?… ouch!! Find out what your teen can live with other than this and do your insurance shopping with that model in mind.
Some of the factors that enter into price is:
1. Where do you live? In the city, a suburban area or in a rural setting? The rural area will be the lowest rate with the city being greater.
2. How many miles per year will the vehicle be driven and how many miles to work, school or college.
3. The model and age of the vehicle and it’s safety record. Sometimes an anti-theft device will lower the rate.
4. The deductable amount and the coverage amount, these vary according to area and what the laws are in your state. The more out of pocket you can afford on the deductable the lower your rate will be.
5. Your teens grades at school is also a determining factor. The higher the grades the lower the rate. Makes sense right?
6. Did your teen take drivers ed? Also a factor.
Make sure that your teen knows the importance of a safe driving record, no tickets, no accidents. Over time, a teen with a safe driving record will have their insurance rates reduced. Instill a sense of responsibility in your teen for their freedom to drive.
Some insurance companies offer a policy for just the teen driver. This way they aren’t added to the families policy. This can be a lower rate. There may be some restrictions, such as no driving after dark or others.
Use your favorite search engines to find insurance companies that have the lowest rates for these factors. By shopping online you have a lot of companies to choose from, and it is quicker than the yellow pages.
Keep all of these things in mind when shopping. Insurance rates vary widely, so take your time when doing your research. Another way to search for a good insurance company is to ask around at garages and body shops. Those guys deal with insurance companies every day.
I hope that these factors will help you in finding that company that will give you a good policy at the lowest possible price.