Hazel

Corpus Christi Texas

Well, everyone agrees that if you’re in high school or college, finding a cheap student car insurance is a goldmine! For those under 25 years old, you’ll just have to accept that car insurance is expensive and look forward to the day you turn 25 and gets cheaper. However, there are some practical hints that students can do to acquire cheap student car insurance in Texas.

• Get good grades in school – insurance companies associate good grades to responsible students being responsible drivers and gives up to 25% discount to performing students.
• Keep a clean driving record- avoid accidents and avoid tickets if you are considered a lower risk driver; good drivers pay less for insurance.
• Keep your credit history is good- insurers check credit ratings and will charge more for people with low credit scores.
• Take advantage of low mileage and carpooling discounts- some insurers offer reduced rates for people who don’t have a long commute. So, if you’re a student who lives near campus, this may include you.
• Take safety or defensive driving class – this will equip you to be an educated driver in terms of the road ethics and driving rules.
• Choose your car wisely- Before you buy a vehicle, get a cheap student car insurance quotes first. The make, model and year affects the insurance rates so, you may start with an older but safer model instead.
• Don’t attempt to drive without insurance – you will lose your license and get into a big financial trouble if you incur an accident. This affects your credit history and say goodbye to cheap student car insurance for decades. So, don’t take the risk; don’t drive uninsured.

Auto Insurance for teens are too expensive. What can I do to lower my teen auto insurance?

Larry

Corpus Christi, TX

Good Question.

Statistics show that teenagers get involved in an accident more than mature and experienced drivers.

Here are some of the things you can do to get cheaper teen auto insurance:

• Stay on your parent’s car insurance policy;Yes it will definitely raise your parents’ car insurance rate but it is cheaper that way than getting a separate teen auto insurance policy. Experienced drivers may be eligible for discounts for having more than one car, good driver discount, etc. so I suggest that you ask for these auto insurance discounts if they are offered by your current auto insurance company.

• Some auto insurance providers offer discounts to young drivers or teens, for taking a driving course or for having high grade point average.

• As you get older you will notice that your car insurance rates will drop. At age twenty, you can see a drop by as much as 31%.

• Shop around. Compare cheap teen auto insurance rates with various companies to see which insurer offer the lowest rate.

• Lastly, try to maintain a good driving record and good credit history. Do not allow your car insurance lapse so you can take advantage of any future discounts to help you get the cheapest teen auto insurance.