Low Discount Auto Insurance Rates For Qualifying College Students

Many college students must use student loans to pay for their education. Then there are boarding fees or apartments to be leased, which is another expense. There is hardly money left over to pay high rates for car insurance, which a number of students need --especially if they live in rural areas where there is no mass transportation. However, students can find affordable auto insurance rates that give them a break.

It does not help when statistics reveal that young college-age students like you are likely to be involved in vehicle accidents. In fact, the Centers for Disease Control note that automobile accidents are the chief reason for teen deaths in the United States. As far back as 2010, the organization was reporting that teens were dying every day in auto accidents and that the teens were between 16 and 19 years old. Despite those statistics, you as an individual can show that you are a responsible driver and obtain some really pretty low insurance rates for your motor vehicle.

College Grade Point Average Influences Your Insurance Rates

If you are a good student and can prove that with your grades, you could qualify for affordable car discount rates. Insurers will offer you good student discounts for maintaining a grade point average of 3.0 or even higher. Get that information out to the insurance company you want to do business with, and give them the name and address of the college you attend. You will be surprised to find out how your grades can lower your rates. Never forget to shop around for the best discount rates.

Impress Insurance Companies with Your Great Credit Score

Auto insurance companies like it when your credit report boasts a good credit score. Maintain a high score, which shows you are a responsible person in paying bills, and you will be rewarded with auto insurance rates that are lower.

Lowering Your Rates by Carpooling

If you live off campus, try to carpool with other students. This means that you will be driving your vehicle less. Car insurance companies like to know that you are not driving every day. That is enough reason for also lowering your rates. Insurance carriers always ask that type of question, and they base your rate depending upon the answer you give them.

Defensive Driving Keeps You Alert to Avoid Accidents

Be a defensive driver and keep an eye on the road's big picture ahead. There are classes available that can help with teaching you how to drive better. Telling your insurance provider that you are taking classes also helps lower your rate.

For more information on how to lower your insurance, contact companies such as Hamrick Insurance