cheap car insurance for college students

Affordable Car Insurance for College Students that Budget

Affordable Car Insurance for College StudentsAre you in college and looking for cheap car insurance for college students ? If you’re in college or soon to be starting college and you need affordable car insurance for college students, our Rapid Quote Partner Network of top insurance carriers covers the entire U.S and offers some of the best car insurance for college students in the marketplace.

If you’re new to the online car insurance quoting process and you need car insurance that fit’s a college student’s budget, online quoting is used by millions of young adults that understand the need to compare multiple quotes to get the best pricing and need a convenient one stop shop that is completely free so they can do it when it fits their busy schedule.

By getting 3-5 quotes from our top tier providers by entering your zip code and selecting your insurance, you’ll be given a web form with all of our providers in your location.  The whole process can easily take less than a half hour and that is never any obligation to purchase.  Most young adults understand the need to do price comparisons to save money and that’s what our free online quote system allows you to do.

Affordable Car Insurance for College Students – We Understand

We know that there are enough pressures when you’re in college that quoting or buying car insurance doesn’t need to be a hassle as well.  More importantly we know that no two car insurance companies price their car insurance policies the same way nor is your first quote often your best quote whether you’re quoting online or in person.

What we’re best at is offering you one of the best quoting resources in the industry and even more importantly we educate you about the car insurance process because we know you’re likely pretty new to this process and all of the ways that you can save money.

Unlike health insurance where your best pricing is often obtained when you’re young, affordable car insurance for college students is obtained by being smart and doing some homework about using online quoting, learning how car insurance works and learning how to save money.  With car insurance, being young works against you meaning it costs more so there is even a bigger need to make sure you do price comparisons.  Up to this point  we’ve discussed online quoting so let’s turn our attention to how car insurance works.

Affordable Car Insurance for College Students – How Car Insurance Works

Once you understand the types of car insurance available and how car insurance works, you’ll have a number of saving opportunities ahead of you that you can choose to take advantage of or not, depending on how serious you are about saving money… and you should be pretty serious because the savings can really add up.

The cost of car insurance for an 18, 19 or 20 year old may seem unfair compared to that of an older driver, but getting cheaper car insurance for a college student should be your goal.  Not getting car insurance that is cheaper than anyone else’s.  That’s just not realistic as one like yourself getting car insurance for a young driver.  The link above is from a previous article that will go through a whole bunch of savings that you can get with a little extra forethought and work.

The car insurance industry is an industry of risks and rates.  The more you can minimize the risk for a car insurance company, the better your rate will be.  With that being said, there are some things you can’t do much about.

You can do much about your age, your driving record to this point (if it’s not good) or where you live or go to school.  While the first two issues here are pretty obvious, the last one deserves an explanation to better help you understand how car insurance is calculated.

The foundation for your quotes becomes where you live and store your car.  Thus, why your zip code is entered into our quote system.  Your location tells a car insurance company quite a bit.  The number of car insurance claims and claims for car theft and vandalism in your location are statistics that are invaluable to a car insurance company.  As a result, common sense might tell you that living in a metro area with more people and more crime is going to raise your premiums right off the bat.  Someone living just 20 miles away in a rural area in a different zip code will likely pay measurably less for their car insurance.  Location matters.

Affordable Car Insurance for College Students – State Requirements

No matter what State you live in, your State minimum car insurance requirements have to be met. Often, the minimum requirements are where you need to start, but you will likely build a policy that has more coverage than the minimum amounts.  Most States have a minimum of bodily injury liability limits per person and per occurrence and also the  property damage liability limit.  The link above will show you the limits for each State.

One really important note.  Many States don’t require uninsured or under insured coverage.  Whether your state does or not, get it.  Just because you’re looking for affordable car insurance for college students, doesn’t mean you should make a blatant mistake on your policy just to save money.  It’s the best coverage for the money available and in tough economic times, many people are driving without insurance or are severely under insured.  Don’t you be one of the people to have an accident with someone in this situation.  It happens all too often and without this coverage you could have big problems.

Armed with the information and links provided, you’re more than ready to begin quoting.  Please take the time to get multiple quotes from our fantastic partner network and you’ll be able to find a great policy that gives you a low car insurance rate for a college student like yourself.

 

 

 

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Posted in: Auto Insurance, Insurance

Car Insurance for Students in College-Learning How to Save

car insurance for students in collegeObtaining the best car insurance for students in college is the outcome of the process of learning.  Something we’re confident that you’re no stranger to.  Whether you’re in your first two years of college taking general studies or in the later years you’re finding that the process of learning begins to unlock the keys to ideas, knowledge and a better life.

College can prepare you for that better life and knowledge is the key to unlock that door.  It’s no different with car insurance for students in college.  It’s a field most in college know little about and a topic that, with a little instruction, will make you very knowledgeable with the end goal of saving you money now and for years to come in the future.  That’s where we’re headed, so please read on.

Car Insurance for Students in College

The car insurance industry has changed and adapted dramatically over the last many years to accommodate “you”.  Yes, you the college student.  The young person that wants the independence of learning for themselves and discovering for themselves how to make the best decisions in each new circumstance you encounter. As an internet savvy generation, your ability to acquire the best priced car insurance for students in college through free online quoting easily, quickly and conveniently was the insurance industry’s answer to your insurance needs for every type of insurance.

Through our free Rapid Quote Partner Network at this website, we allow you to be in control of your quoting and insurance purchase by offering high quality discount car insurance for students in college.  You will accomplish this by simply getting multiple quotes from our network partners that serve your area after you enter your zip code.  It would be less than helpful though, to have you begin quoting without the background knowledge you need to feel comfortable and confident while quoting your insurance.

Online quoting is the single most important key to getting the very best pricing for car insurance for students in college.  Nothing else will make as big of an impact than quoting multiple companies against each other so you can know with 100% confidence that you have found the best priced insurance for your particular situation.

Car Insurance for Students in College-Why Online Quoting

The reasons millions of young people today go online to quote insurance for free include:

  • A quoting system doesn’t sleep.  It’s available 24 hours per day, 7 days per week including evenings, weekends and holidays. College students can have odd hours and we realize this so getting quotes when it’s convenient for your is important. (Try getting quotes from an agent during evenings, weekends or holidays.)
  • When you take some time to obtain more than one quote you are realistically comparison shopping car insurance companies against each other.
  • People are often surprised to find that car insurance quotes often vary considerably.  No two companies quote the same way.  They often put different emphasis on different variables. These differences are huge advantages for you.
  • Most of our customers find, as you will too, that their first quote is often not the lowest quote they receive.
  • One distinct advantage of quoting insurance online is that it allows you to adjust and modify different variables during the quoting process.  You can adjust coverage types, amounts of coverage and even deductible amounts so you can see how each single change may affect your quote.
  • It’s the only way that you’re going to be sure that you’re getting the cheapest car insurance period. Getting one quote won’t.  Getting two quotes will give you a range, but only by getting 3 or more will you confirm what the best quote for you should be.
  • You do price shopping for pretty much everything.   Why shouldn’t you compare pricing for something that’s “required” like auto insurance.   Especially when you learn that no two quotes are the same. That’s why car insurance companies advertise the savings by going with them.  It’s very price competitive.
  • Most people dread shopping for insurance because of the requirement to reach out to sales agents and the pressure associated with them trying to sell you a policy.  Online quoting becomes more of a discovery process instead of drudgery process.
  • You can quote online when you have the time, not on the schedule of someone else.
  • It’s free!  It’s a system that really saves you money and it’s 100% free with no obligation to buy whatsoever.  It really does fit the needs of the young consumer today.

Car Insurance for Students in College-Insurance & Savings Knowledge

Car insurance is quoted by zip code for two reasons.  It allows our network partners that serve your location to be displayed once you’ve entered your zip code and secondly, it allows the insurance companies to align with their actuarial statistics regarding the auto theft, vandalism and accident claims in your area.  This on the surface should give you a clue that car insurance is more expensive in densely populated urban areas as compared to rural areas where the likelihood of these claims per capita is considerably less.

Car insurance is regulated by each state at the state level.  Every state has minimum requirements for car insurance coverage and the system that the car insurance is administered under.  Those being “no-fault coverage” which is defined at the link or you can get a listing of no fault coverage states here or “at-fault coverage” which most states operate under.  This is a state where a person will be found at fault for an accident and they along with their insurance company will be held responsible for the damages and most every other state has this type of insurance system.

Hey, we said education is key right?  Well, to get a quick, but solid primer on the types of insurance so you have some knowledge of their purposes, visit the 7 types of car insurance at this link.  Don’t worry, there won’t be a quiz!!

While it’s good to know what type of state yours is, our network partners will take this into account when quoting as well as the minimum coverage levels that the states require.

Ways To Save on Car Insurance for Students in College

There are many ways you can save on your car insurance when quoting.  Here’s a list that is very comprehensive for you to understand in order of importance to you as a college student:

  • Take advantage of any good student discounts you can receive for being on the Dean’s list.
  • If you drive an older car with less replacement value than approximately $4000 you may likely not need to get collision insurance since the cost to fix the car may be more than the car is worth unless you have a loan on the car.
  • Request the highest deductible amount possible that won’t put you in a bind if you do have a claim and have to pay the deductible.
  • Keep your driving record clean.  That advice won’t just save you money now, but for years to come.  It’s the most important thing you can do.
  • While it’s fun to do, owning a sports car or high performance car is a one way ticket to a high insurance premium.  If you have a goal of saving money (and what college student doesn’t), don’t drive a car that’s expensive to repair or is classified as a high risk car because of its power under the hood.  Especially for young men since they pay more for insurance than young women because they are a proven statistical higher risk.
  • Drive a car that has most or all of the latest safety devices.  It’s a big deal.
  • Drive less miles by riding a bike or carpooling whenever you get the chance.  Increased driving miles mean increased risk in the eyes of the insurance companies.
  • Take a State accredited defensive driving course.  Many states have them and insurance companies love insuring drivers that take them.
  • Establish and maintain good credit.  Your credit rating does come into effect these days.

Get 3-5 free quotes from our Rapid Quote Partner Network.  It’s the only way to ensure you’re getting the best pricing possible.  The companies are the best of the best and the savings over other drivers your age that just take the first quote they get can be substantial.  For more information about cheap car insurance for young drivers, just follow the link and learn more.  If you’re ready to quote, go ahead and get started and enjoy the savings!

 

 

 

 

 

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Posted in: Auto Insurance, Insurance