#affordable car insurance
Affordable Car Insurance Options for College Students
Updated: October 2015
It is possible to get a good auto insurance plan if you’re a college student. You just have to know how to look and what to look for. Far beyond simply signing up for the plan that is the cheapest, you may find and make the most out of specific discounts that you may not have even known about until now. Not only is it important to get car insurance at the right price, but it’s also a good idea to find the right plan to meet your needs. Here are some tips for college students shopping for auto insurance:
How Much Driving Will You be Doing?
Whether you’re going away to college or commuting, you may want to either increase your coverage or decrease it. If you’re leaving your car parked at Mom and Dad’s while you live on campus, you may be able to save them a few extra dollars. According to the Insurance Information Institute. if your college is at least 100 miles away from home, your parents may qualify for the resident student discount. This discount could lower their car insurance bill by as much as 30 percent per month.
On the other hand, going to college may cause you to reconsider your coverage choices. If your daily commute is going to get longer, now may be the best time to revisit your coverage limits to make sure that you’re well-insured in case of an accident.
Check Out Campus Security Ahead of Time
It’s always a good idea to research local crime statistics before taking up temporary residence. This gives you a good idea of what to expect, as well as how to prepare for life in your new surroundings. If you’re going away to college and bringing your car to a location with a higher crime rate, talk to an auto insurance agent about protection that covers you in the event of theft. It may also be a good time to purchase an anti-theft device for your car. Doing so may not only cut back on the likelihood of your stuff being stolen, but it might also land you a discount.
Nevertheless, you don’t have to attend college far away to revisit your need for better safety and increased insurance coverage. Always research the area where your car will spend most of its time and adjust your coverage accordingly.