Age matters when it comes to finding the best car insurance for students, with high rates beginning at age 16 and not coming back down until after 25. Luckily, there are a few creative discounts offered to help offset these inflated premiums and find you affordable auto insurance for your teen.


 

Great Grades Mean the Best Car Insurance for Students

 

Maintaining good grades is the best way to avoid high rates, as most major companies offer large discounts on premiums for teens with higher GPAs. Studies show that drivers below age 25 are higher-risk drivers who are more likely to be involved in car accidents. Students with better grades are assumed to be less likely to take unsafe risks behind the wheel, so higher grades mean the best insurance rates.

 

A Guide to Finding the Best Car Insurance for StudentsSafer Driving Habits Reduce Premiums

 

Students who avoid tickets and obey traffic laws are much more likely to qualify for some of the best car insurance available. Drivers’ education classes are required for most young drivers in order to obtain a license, but expanding those classes can reduce premiums for students even further. This can include a defensive driving course or extra driving hours with a trained instructor. Your local DMV will very often be able to point you in the right direction.

 

Choosing the Right Vehicle

 

Like drivers of any age, the car itself can raise or lower premiums dramatically. For this younger demographic and their already high rates, choosing an older car can lead to the lowest car insurance rates. Older cars are worth less, so they often cost less to insure. Cars that are sportier and designed for fast driving will cause premiums to skyrocket, especially with the wheel is in a student’s hands. Alternatively, a newer vehicle that is sensible instead of flashy and has lots of current safety features may help you find the best car insurance for students.

 

Buying a Separate Policy

 

Sometimes families may find that the best car insurance for students is available outside of the parents’ policy. College students may be eligible for the best rate breaks depending on their grades, what clubs they’re involved with on campus, or even what fraternity or sorority they belong to.

 

There are all kinds of hidden discounts the average consumer isn’t aware of, and an experienced agent can help you find the best car insurance for students.

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