There's no way around the fact that students are a group who pay some of the highest rates around for auto insurance, but student car insurance rates can be lowered with some skilled shopping and personal finance techniques.
Auto insurance data shows that males under 25 tend to pay the highest auto insurance rates around. There are also some other indicators specific to "student car insurance" that lead to students paying higher rates, and some of these are personal lifestyle factors.
The first and simplest way to get cheap student auto insurance is to go onto an insurance plan with multiple drivers and "pay into the pool". This if very often part of the process of a student leaving home and going off to college, where parents continue to leave the student on the family policy in exchange for a monthly payment, in order to keep rates low.
However, if a student does not have family members willing to make such a deal, and goes out to purchase insurance on the market, the costs will be high. Basic factors besides age and gender include the area where the car is garaged, the type of car that a student drives and the student's driving history. So, some basic ways to fight a high student car insurance quote are as follows:
Skip the Flashy Wheels
Experts identify "sporty" cars as a prime reason for high student car insurance rates. Going with a lower profile sedan can lower rates significantly for young drivers.
Maintain a Good Driving Record
A DWI or DUI conviction can send rates through the roof and cause other financial problems. These activities also put the public at risk. Students can do well to avoid the peer pressure and social situations that end with a DWI or DUI. Responsible students do not pay the high rates that those with tarred driving records are often forced into paying.
Stick with One Insurer
Another way to get stuck with sky-high student car insurance rates is to skip around, buying insurance a month at a time. Go with a six-month or annual policy, and you'll get discounts, as well as trust and a track record you can turn in when buying for the future.