Car insurance for college students can be very expensive, especially if they are planning on driving a relatively new car and want full coverage. College students are usually between the ages of 18 and 22, which is a time when the insurance premiums are nearly at their highest. If you want to learn how to get very cheap car insurance, you need to learn what you can do to cheapen up the policy so that you are not paying for things that you do not need and are only paying for what you do need with regard to your insurance.
The first thing that you need to learn when you are looking for car insurance for college students is that the car can be registered under the name of the parent if the student is commuting to college. This means that if the student goes back and forth to college from home and is not living at school, they may be able to get very cheap car insurance by riding on the policy of their parents. However, this does put parents at a liability risk, so it is best to get the most coverage possible for the student if this is the case. In the case of the student who lives at home, very cheap car insurance can be obtained by having the student as a secondary driver on the car instead of just having the car in their own name.
Car insurance for college students also depends a great deal on grade point averages. Students who are looking for very cheap car insurance should be advised that the better their grades, the better their premium will be. If they are looking for a way to save money on their car insurance premium and get very cheap car insurance, then they should strive for a B average in their grades. Car insurance for college students often offers a discount for those with good grades.
The car insurance for college students will be based upon where the car is located as well. If the student is only using the car for college purposes and lives in a college town, this may figure into the premium and enable them to obtain very cheap car insurance. Also, if the car is a later model car and not worth much money, it may be a better idea for the student to only obtain liability coverage instead of full coverage on the vehicle as this can save them a substantial amount of money when it comes to their car insurance premiums.
There are many factors that figure into car insurance for college students. The deductible that is paid out of pocket, the type of coverage that is offered and the grade point average of the student as well as the town where the student is going to college and the distance they travel will all figure into the cost of the car insurance for college students. Those who look around online can find very cheap car insurance that will fit their college budgets.
