Auto Insurance Student: What You Should Know
Guide for Auto Insurance Student Drivers
Nothing beats the thrill of driving your first car. Your heart is racing, your head is throbbing and every sense is heightened.
Unfortunately, you’ll experience the same feelings when you have your first accident.
Hopefully, you will be covered for the worst. But since teenagers are the most accident-prone drivers due to their inexperience, car insurance for students tends to be expensive.
In fact, car accidents kill so many young drivers every year…to the extent that some states have made it a requirement for new drivers to get a Graduated Driver License.
If you’re not already familiar with the Graduated Driver License, it allows a teen driver to drive under a learner’s permit status for the first 6 months to 1 year. At all times, a more experienced driver must be in the car when you drive.
After this learning period, you will be expected to pass a driving test and a written exam. Only after this will you get a provisional license permitting you to drive without someone on board watching you. Restrictions include limited passengers, night driving and cellphone usage.
You will be given your full license after completing the provisional stage with no accidents or moving violations. The authorities will pay particular attention to alcohol and drug related offenses.
The great thing about this program is that it has actually helped reduce car accidents. So pay attention while you’re in it! Learn and absorb all you can. Model drivers get cheaper rates and here are some more tips to make sure that you get the cheapest rates possible.
Auto Insurance Student Tip #1 – Get good grades.
Now, what does this have to do with your car insurance? A lot. You don’t necessarily have to be an A-lister but you do need to maintain a B average if not higher. Common sense dictates that the student with higher grades is tends to be more responsible and less likely to crash a car.
Auto Insurance Student Tip #2 – Inform your insurance company of your car usage.
Let your insurer know that you will only be driving the insured vehicle from time-to-time. Assure them that you will only be driving it on holidays or weekends since most of the time, you will be living on campus anyway. Did you know that insurance companies actually give special rates to students in this type of situation? Not just that–they’re also cheaper compared to the rates given to regular drivers.
Auto Insurance Student Tip #3 – Avoid the big hit…learn about renters insurance.
You probably don’t think you have a lot of assets. But think carefully about what you have in your backpack or at the back seat of your car. An iPod, a smart phone, a laptop, and a bunch of our gadgets that will probably add up to a sizable sum. Inquire about renters insurance because for just a small sum, you can get these small items covered. That way, you don’t have to worry so much about safety and security while you’re out shopping and those items are in your backpack.
