Finding the Cheapest Car Insurance Quotes for Students

Finding the cheapest car insurance quotes for students can take some research, but there are discounts and good rates to be had. Although a young, student-age driver will normally have a higher premium than an older, more experienced one, there are ways to save money and lower the premium to an extent.

As always, get multiple insurance quotes and determine which policy would work best before asking about a student discount. The premium discounts usually come from the insurance company itself, not from the agent, so you should clarify the coverages and terms before asking about the discount.

Many of the major insurance companies (Allstate, State Farm, Nationwide, and Geico) offer good student discounts that can normally be extended to high school and college students. Although the requirements for the discount vary by insurer, good student discounts generally require a 3.0 (B) grade point average or require being named to an honor roll, dean's list or similar. Verification of eligbility for the discount is done by way of a transcript or certificate that states the level of academic accomplishment. In some cases, the good student discount carries over after graduation, meaning the eligible student may be able to keep the discount for several years after graduation.

You may also be able to find an additional discount for a student under a company's good driver program. After a few years without any at-fault accidents, a student could be eligible for the program if they complete an approved driver training course or driver safety course. The course is often just a video or take-home exam that must be completed and passed to receive an additional discount. Ask your agent for details regarding this type of program.

There are options for students to receive competitive insurance quotes by making use of their good student records and their good driving records. Remember to contact an insurance professional if you have any detailed or situational questions.