Student Car Insurance

Student car insurance can be expensive for several reasons.

Firstly the driver is likely to be under 25 and policies are always more expensive for young drivers. The car is likely to be parked on a road or driveway at night and so this will make it more expensive than if it was parked in a garage. The driver is likely to cover long distances at term end and beginning times as they will be likely to drive to their parents home which could be a long way away from where they are at university.

There are companies which offer specific student cover and this could be worth investigating but could be dearer. Doing a price comparison is always a good idea as it could save money. There also may be some cash back offers or discount vouchers that you could find on line to help reduce the cost. It may even be worth considering managing without a car until you are over 25 as the costs then will be lower.

As a student try to be careful where you park and do not leave valuable possessions in your car. If the car gets broken in to and you have to make a claim then this will increase your premium even more. Do your best to drive safely so that you do not have accidents and this will also prevent your premium from going up. You will also be able to start building up a no claims bonus which could make quite a difference to the cost of your premium. It could be worth calculating whether a protected no claims could be worthwhile as it is more expensive but may help to prevent increases in premiums if you have an accident in the future. If where you park is unsafe then this could be an option worth considering.

Comprehensive Student Car Insurance gives You One Less Thing to Worry About!

Time at university is very hard without adding in all of the stresses of everyday life. If you have a job or you’re trying to just focus on school to the fullest, you will have plenty of things to occupy your time. That doesn’t mean that you can just skip over student car insurance concerns.

First and foremost, you must realize that if you are going to drive a car, you must have the appropriate cover for that car. There are stiff penalties that will have to be paid out if you don’t get the right coverage at all. If you try to drive without car insurance cover, and you are found out, you can even lose your driver’s license. This means that if you rely on your car to get from all of your classes and then back home, you’ll be in a world of trouble.

Comprehensive student car insurance is really the answer here. It gives you one less thing to stress about. Gone are the days where you had to go with less coverage than what you knew you needed just because it was too expensive. The insurance companies are realizing that the more they can make it affordable, the more likely that you’ll stay with them rather than constantly bargain hunting and switching companies. This means that they get a customer longer. When you really look at it, it’s truly a win win situation.

So, how do you really get started? Well, you’ll want to look up car insurance quotes that are designed for students. A quick search in Google can yield fast sites that will let you fill out one quote and pull up a lot of different insurance rates. There’s nothing wrong with trying to get the best deal, especially when you are on a limited budget.

The insurance companies know all too well that they have to make it affordable. If you end up not being able to afford the insurance, you’ll have to cancel the entire policy. This would mean that you aren’t able to drive the car for all of the reasons mentioned earlier in this guide.

Driving is something that really adds to the overall university experience. So if you’re going to bring a car to school, it’s really in your best interests to get it insured properly right from the beginning. Will you want to protect against loss, theft, and fire? Absolutely. Will you want to watch out for underinsured motorists? Absolutely. Don’t worry if all of these terms seem confusing — an online insurance agent can help you walk through the steps, or you can talk to them on the phone!