Five Essential Things You Need to Know About Student Car Insurance
Five Essential Things You Need to Know About Student Car Insurance
Whether it seems fair or not, students will pay more for their car insurance. There are, however, some steps you can take to help reduce your student driver insurance costs when living in Illinois.
1 - Be a Good Student
One of the most important steps a student driver can take in Illinois to reduce their car insurance costs is to keep their grades up. It is not only obviously important for a student's future; it can help save money when purchasing a student car insurance policy.
2 - Be a Good Driver
As a student continues to drive without getting tickets and acting as a responsible motorist, over time the student's insurer will see that they take the responsibility of driving seriously. Once the student has been driving for awhile, contact the car insurance policy company and ask if they are eligible for a good driver discount. Furthermore, ask about attending good driver or defensive driving classes for additional discounts. They will not only help reduce the cost of the insurance, but teach the student some additional ways to stay safe behind the wheel.
3 - Don't Purchase a New Car
As tempting as it is for a student driver to purchase a new or fairly new car, this can greatly increase the cost of your car insurance. The type and age of your car directly relates to the cost of the insurance. By purchasing an older or used car, the cost of your insurance will dramatically reduce. The student driver may also not need certain types of insurance, such as collision, depending on the overall value of the vehicle.
4 - Ask if you can go on Your Parent's Insurance
Sometimes, parents will consider adding their student driver to their existing policy. While this will initially increase the cost of insurance for the parents, it will save money for the student overall. Often families will have multiple type of insurance coverage with one company. By becoming a part of existing policies, money can definitely be saved.
5 - Ask About Car Pooling and Low Mileage Discounts
Many insurance companies offer discounts for individuals who car pool with others and do not drive great distances. This is perfect for students, as they often drive less than 20 miles from their home or school. This is a great way to save money on student car insurance.
These are just a few of the many different ways a student can save money on theircar insurance. Over time, as the student ages, the overall cost of insurance will go down, however by following these five suggestions, it can help to save as much money as possible.
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