Auto Insurance – Tips For Students

There is no doubt that being a student is more expensive now than ever before, and auto insurance premiums for students are, more often than not, outrageously expensive. There are, however, a number of things you can do in order to make sure that you keep your premiums down-even as a student.For anyone under the age of 25-whether a student or not-auto insurance is often incredibly expensive-and this is especially true for male drivers. On top of these things, an awful lot of college students are at campuses in either college towns or urban areas-with both types of location meaning higher insurance premiums for prospective drivers. So, taking these factors into consideration, just what steps can a student take in order to obtain cheaper car insurance premiums.Well, in the real-world overview, you will, to some extent, need to accept the insurmountable fact that, until you reach the age of 25, auto insurance will cost you more than you would like it to. The first practical step you can take, however, is to make sure that you get decent grades at college. Any insurance company will deduce that a student that gets decent grades is likely to be responsible-and will therefore be a responsible driver. Most discounts will exist for those students that are in the top 20% of their class, and /or have a GPA of 3.0, a B or higher grade average and/or were a Dean’s List or Honor Roll student for the last semester.Next, it is a fact that good drivers will always pay lower premiums, so make sure that you don’t get into accidents and avoid tickets. Over time, your risk to insurance companies will decline and so will your premiums. You might also take advantage of low mileage discounts, as many insurance companies will set lower rates the students that live nearer to campus. If you live further away, you might lower your premium by car-pooling.Also, you should ensure that you have a decent credit history, as your credit rating will impact upon your insurance premium. As a student, you won’t have a long credit history, so make sure that the history you do have is solid. Be sure to pay all credit card bills on time. Also, you might consider taking a defensive driving class or a community driving class, as insurance companies usually offer discounted rates to those drivers that have a certificated safety class behind them – and if your current ones does not you can easily search online for one that does.. Ensure that the class you take is certificated, as the insurance company will want proof. Finally, consider your choice of car carefully-a sports car is going to coast you a bomb to insure. You might also consider doing without a car altogether, as this is the main way to save money on auto insurance as a student!