It can be hard for students to find car insurance that is affordable. Insurance companies usually group students in with teens and new drivers as "higher risk." Most students need all the money they can save, of course. Car insurance isn't cheap, though. A typical student pays between $3,500 and $13,000 in premiums in a year.
Get a lower rate on your car insurance while you're still in school. Often, all you have to do is show your most recent report card to get a discount. Most insurance companies think that students with a B average are less likely to cause an accident. If your school or college offers a driver's education class, take it and let your insurance company know.
Tell your insurance company if you are a member of any school or professional groups. Some insurance companies give big discounts to people who belong to certain alumni, fraternity, or student groups, like the Golden Key National Honor Society.
Tell your insurance company if you are working and going to school at the same time. Your insurance company will usually give you a discount if you work close to home and use your car mostly to get to and from work. A "low-mileage" discount may be given to students who live close to their school or college and don't drive very often.
It is also cheaper to add a student to an existing auto insurance policy than to buy a new one. However, if the student is the main driver or owns the car, they may be required to have a separate policy.
Please look at the list of providers we recommend below to get free insurance quotes from many different companies. There are also pages and pages of free information about insurance on these sites. You can get free quotes everywhere, but these sites have quotes from more than one company. This way, you can be sure to look at the 3–5 cheapest options and save even more money.
