Student Discount Car Insurance - Qualifying For Lower Premiums

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Car insurance policies are available for all ages of drivers. Discounts are also offered for a variety of reasons. When you have a teenager in the house, there's a good chance that there will eventually be the need for auto insurance. Student discount car insurance is obtainable through your own personal insurer. Adding a student driver on to your existing policy will keep the premium a bit lower than taking out a brand new policy.

Students under the age of 18 have to be carried on an adult's car insurance policy anyway. Once they become 18, then they can take out their own personal policy if they wish. However, it is cheaper if they remain on someone else's policy, due to the multi-car discount offered by insurance companies.

Insurance for teen students is higher than for adults because of them being considered high-risk drivers. Besides getting a discount for adding your new student driver on the existing coverage you hold, other discounts are available for the student having taken a Driver's Education course, keeping good grades, and even for driving a newer vehicle.

Driver's Ed:

Enrolling your teen in a Driver's Education class will not only prepare him for driving a vehicle properly, but insurance companies also give a discount to students who complete this course. This course can be started online; in order to get the main parts of the course taken care of, and then the driving portion is taken at a later time. Some high schools even offer this course during the summertime for students who are already enrolled at the school. A Defensive Driving course is not only useful for the person taking the class, but also beneficial for lowering the premium amount for whomever is making the insurance payments. As long as this course is approved by your local Department of Motor Vehicles, it will be accepted by the insurance company for a reduction in the monthly rate.

Good Grades:

Students who are able to maintain a high grade point average are viewed as being very responsible. Even if your teen can hold a B-average in school, this is enough to qualify for the Good Grades discount. Kids who attend college can usually stay on their parent's policy, but you'll want to check with your insurance company on this. Some companies will only allow students to be carried on their parents policy if the school they are attending is within a 100 mile radius.

New Car:

Newer vehicles have all sorts of bells and whistles, which make them fun to drive. They also tend to have additional safety features that older cars don't. These new features can help your student to qualify for a discounted insurance rate. Features that usually qualify include; automatic seat belts, anti-lock brakes, daytime running lights, anti-theft devices, and air bags.

Additional Discounts:

Encourage your student to maintain a good driving record. This, of course, is preferred by insurance companies. Also, low mileage discounts are given to students who won't be driving long distances each day. Living close to campus is one way to keep mileage on the low side when your child heads off to college.

Student discount car insurance options are many. All you have to do is discuss the many possibilities with your insurance agent and see how many you and your young driver qualify for.

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