Student Auto Insurance: How To Get Discounts

2007-03-08 10:33:40

( Health )



With rising gas prices and other vehicle maintenance costs, it is no wonder a lot of people are looking for cheaper car insurance. Student auto insurance is no exception. Before getting student auto insurance policy, you may want to take some steps to ensure you get the lowest rates possible.

The first thing you have to do before you apply for student auto insurance is to check your credit report. Most insurance carriers base your rates and premiums on your credit report. So before visiting an insurance broker, get a copy of your credit report and make sure you correct any errors. You should also request for a copy of your personal driving records. Like your credit report, you should report any inaccuracies to your local motor vehicle department and to your insurance company.

Similar to medical insurance for college students, you should not let your coverage lapse for your auto insurance. Keeping continuous coverage for student auto insurance can make a difference on your rates and premiums.

Another way to cut costs on your student auto insurance is to get the policy from your life and health insurance carrier. This is called an umbrella policy. Most insurance companies give you discounts if you get several policies from them only.

You should also take advantage of student discounts. Major insurance carriers offer discounts if you meet their pre-defined grade point average and if you have a clean driving record. They will also give you discounts if you take driving courses and if you have installed safety devices on your car like airbags.

The type of car your are using or are thinking of buying will also make a difference on your insurance policy. Before buying a new car, make sure you check the insurance rates on that particular car. Insurance rates may differ from one car to another.


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