Student Car Insurance

Student car insurance may include the highest rates pertaining to auto coverage, so care must be taken in choosing a company for this essential policy. Young drivers under the age of 25 are considered high-risk drivers and are charged the highest rates for students car insurance. Shopping on the Internet for coverage can help young drivers obtain lower automobile policy premiums. Some companies offer discounts for young drivers. There are free quotes available online for this specific coverage. Information is available pertaining to discounts that could be included on these policies. Some of those discounts might include good drivers, drivers training, good students, distant student, and accident prevention course discounts, among others.

Good driver discounts require that the driver has been licensed for at least 3 years with no more than 2 violations and no citations for drunk driving in 7 years. A Driver's Training discount requires that the driver take a certified driver's training course. Proof provided with a certificate will provide discounts on student car insurance. A good student discount is based upon the grade point average of the applicant. Student's car insurance discounts will apply if the insured holds a B grade point average, or better. Distant student's discounts are based upon the insured residing 100 miles from home without the vehicle. An accident prevention course through the Department of Motor Vehicles provides discounts on this kind of coverage.

Additional discounts might include anti-lock brake system, anti-theft device, alarm, active disabling device, shoulder restraints, seat belts and air bags. An alarm that qualifies for a students car insurance discount should include a manual turn-off feature that is heard 300 feet away from the vehicle for at least 3 minutes. An active disabling device disables the ignition or battery in the event that theft is attempted. Insurance companies also offer multi-automobile discounts. All vehicles owned and registered to the policyholder should be included on the policy. With surveys showing young drivers as high-risk drivers, policy rates are likely to be higher for this category.

Rates may also depend upon amounts of coverage, types of coverage, and deductibles. Collision coverage will take care of repair and replacement from direct or accidental losses. Collision coverage is mandatory if the vehicle is financed through a third party lien holder, being a finance company or bank, etc. Comprehensive on student car insurance will cover damage to the vehicle in any situation other than an accident. Single limit students car insurance combines bodily injury and property damage in a single paid out sum per accident. Other students car insurance coverage may include towing, labor, rental reimbursement, and special equipment coverage. Search on the Internet and compare rates by seeking a free quote. "Behold, thou desirest truth in the inward parts: and in the hidden part thou shalt make me to know wisdom." (Psalm 51:6)