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Joe Anderson | joeanderson

5 Ways to Overcome High Student Car Insurance Premiums

Dec 5th 2014 at 4:47 AM

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Stepping into the college life! It is an exciting time for students for lot of reasons. Whether it is your first year or you are a senior, meeting new people, acknowledging yourself and learning to live on your own, are all the parts of college experiences.


However, the most important thing when you’re living on your own is to manage your expenses. Whether you are independent or your parents are helping financially, doesn’t matter. Finding ways to save money is always beneficial for college students. Isn’t it? It allows you to bear the expensive college costs. Finding the right insurance for your car is one of the ways that could save your money.


Student drivers tend to be young and inexperienced hence they are more likely to be involved in accidents. Moreover, colleges and universities are situated in posh areas where car crime and theft is statistically a bit higher. Thus, insurance doesn’t come cheap for college or university students.


However, there are lots of things you can do to make car insurance as cheap as possible without compromising on cover. Generally, following ways are recommended that students can do to lower insurance premiums:


  • Shop Around: No doubt, prices vary from shop to shop, especially for insurance companies. You can get at least 3 to 4 price quotes and compare all the aspects exclusively to select the best quote. You can take the help of the checklists of the brochure of insurance companies to compare different quotes.

  • Insurance cost: Car insurance premiums are based on car’s price, repairing costs, and overall safety measures. Hence, less expensive, older and lower powered cars are cheaper to insure.

  • Security: Adding extra security appliances gives your car more security to park your car at less desirable locations. It reduces the risk of claim thereby helps in lowering your car premiums.

  • Low mileage discounts: Some companies offer discounts to student motorists who driver comparatively lower than average number of miles per year.

  • Higher Deductibles: Deductible are what you pay before your insurance policy kicks in. By requesting to raise your deductible you can lower your premiums significantly.


Find a concise and easy to use quote to provide yourself the most competitive quote. It will help you save both time and money.

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