Let’s face it, college is great for learning but college without a car is a lot less fun. What better dream does a senior in high-school have than to own a car? But with that car comes the hassle of insurance rates that are higher for the younger demographic of society because individuals under the age of 25 are statistically proven to be high-risk takers. Is there something that you as a college student can do to keep car insurance rates affordable? Here’s a list of five car insurance do’s and don’ts for all the college drivers out there.
1. Get good grades: Car Insurance companies think that students in general are prone to drive rashly because they are yet learning to drive. In fact, 61% of young drivers admit to having risky driving habits like not wearing a seat-belt. When it comes to making decisions while driving, they seem to be more prone to be distracted and impulsive. However, if a particular student can show that he is responsible, then the insurance company can offer a discount in his car insurance. One of the best ways to prove that you are a careful driver is by maintaining good grades. Some insurance companies offer the “Good Student Discount” for students that have a GPA above a 3.0.
2. Carpooling: A general tip for anyone who is looking to buy car insurance is that you will get a lower premium if you drive less. How much less do you have to drive for it to affect your premium? Most insurance companies reduce premiums if you drive less than 10,000 miles a year. Driving less means less time on the road and therefore a lower probability of getting into an accident. One of the best ways to not just lower the miles you drive but also make friends is by carpooling.
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3. Install airbags and anti-theft devices: Any kind of security measure you install in your car will reduce the probability of it being stolen or severely damaged in an accident. Air bags and car alarms are some of the most practical ways you can make driving safer for yourself and save precious dollars off your monthly premium.
4. Maintenance and servicing: Just like buying life insurance is cheaper when you’re in the best of health, buying car insurance is also cheaper when you have a healthy car. Well-maintained cars will not break down easily and give you good mileage too!
5. Buy a used car: There are so many benefits you can enjoy by choosing to buy a used car as your first car. The pain of chipping and denting a brand new car should be reason enough to settle for a used car as your first one. You can save the great SUV or branded super car for later in life when you’ve already established yourself as a good driver with long clean driving record to prove it. However, when you’re starting out with your very first car, make sure it’s used.
According to insurance companies, used cars are less likely to be stolen. If it does break down, its parts are not as expensive as new car parts (even if it’s totaled). It gets even better if you buy a small car because smaller cars have a less powerful engine which makes it less likely to get into a really gruesome accident at a high speed. For all those reasons, insurance companies sell used car insurance at a lower rate.
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