Students are living at one in the greatest times in their life. They have the rest of their life ahead of them, graduation is around the corner and they are driving around with a hot off of the press driver license. This time in their life is filled with hope for the future and the enjoyment of life, what a great time.
Many students worked for years to save up for a car and they are at the dealer ready to buy than red sports car. As part of the process they ask good old dad to get on the phone and acquire auto coverage so they can take their beautiful new Camaro Z-28 off of the lot. When dad gets off of the phone, that big smile has been transformed to a look that makes others think that he just saw a ghost. The look on the dad's face reveals that the insurance quote was a bit more then $1000 per year, In fact students can expect to pay between $3000 and $12000 depending on where they live, the type of car, their driving record and gender.
Unfortunately, the kids get hit the hardest with insurance premiums. There are however ways to get relatively cheap student car insurance. The first step for students to reduce their premium cost is to go through a certified driving course. This will reduce their premium by up to 10%. This can be done through their school, work or through an independent company.
The cost of a driving course starts at around $150 and goes up from there. The average cost is around 400.00. It is worth the investment when comparing the savings that it will bring for years to come. Students who have a good driving record can get discounts each year until they are 25 years old. So it is important for students not to get into any accidents and not to occur any traffic violations.
Driving safe and obeying the laws is imperative. The point system for traffic violations varies from state to state and it is very important that a student does not get any points. Do as much as you can to avoid points. In the unfortunate event of a speeding ticket, for example, go to court to get the charge lowed to a non point ticket, even if it cost more money at the time. Because points follow a person from year to year and there are surcharges on those points. Points affect the cost of your insurance premium.
The choice of the automobile is another key to reducing a student's insurance rate. Students would choose a Mustang or a Camaro because they are fast and cool. However this choice could cost thousands of dollars over several years. A mustang GT, with a 5.0 engine is going to cost more in insurance premiums then a ford escort 2.3 engine. The size of the engine indicates its speed capacity and the insurance rates will be higher on larger engines. Choose your first vehicle wisely and compare prices to get cheap student car insurance.
Many students worked for years to save up for a car and they are at the dealer ready to buy than red sports car. As part of the process they ask good old dad to get on the phone and acquire auto coverage so they can take their beautiful new Camaro Z-28 off of the lot. When dad gets off of the phone, that big smile has been transformed to a look that makes others think that he just saw a ghost. The look on the dad's face reveals that the insurance quote was a bit more then $1000 per year, In fact students can expect to pay between $3000 and $12000 depending on where they live, the type of car, their driving record and gender.
Unfortunately, the kids get hit the hardest with insurance premiums. There are however ways to get relatively cheap student car insurance. The first step for students to reduce their premium cost is to go through a certified driving course. This will reduce their premium by up to 10%. This can be done through their school, work or through an independent company.
The cost of a driving course starts at around $150 and goes up from there. The average cost is around 400.00. It is worth the investment when comparing the savings that it will bring for years to come. Students who have a good driving record can get discounts each year until they are 25 years old. So it is important for students not to get into any accidents and not to occur any traffic violations.
Driving safe and obeying the laws is imperative. The point system for traffic violations varies from state to state and it is very important that a student does not get any points. Do as much as you can to avoid points. In the unfortunate event of a speeding ticket, for example, go to court to get the charge lowed to a non point ticket, even if it cost more money at the time. Because points follow a person from year to year and there are surcharges on those points. Points affect the cost of your insurance premium.
The choice of the automobile is another key to reducing a student's insurance rate. Students would choose a Mustang or a Camaro because they are fast and cool. However this choice could cost thousands of dollars over several years. A mustang GT, with a 5.0 engine is going to cost more in insurance premiums then a ford escort 2.3 engine. The size of the engine indicates its speed capacity and the insurance rates will be higher on larger engines. Choose your first vehicle wisely and compare prices to get cheap student car insurance.
No comments:
Post a Comment