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Student Car Insurance

Most parents eventually find out that insuring young drivers is a major expense. The minute they add their new teenage driver to their auto policy, they can almost count on their rates to go through the roof. Qualifying for a student discount for car insurance is the best way to bring the cost down but the young driver has to be a good student.

Unfortunately, because young drivers represent the largest risk to insurance companies, their rates are extremely high. They lack the wisdom to handle the unexpected that comes from years of experience and they are easily distracted. The excitement of finally being in the driver's seat coupled with fun friends and these days - cell phones can make for a deadly mix.

Simply put, teenage drivers are statistically more reckless, get into more collisions, are more of a liability. They cost insurance companies far more than any other group of drivers and therefore must pay higher premiums than any other group. It may seem unfair to be painted with the "stereotypical brush" but, all new young drivers will have to prove themselves worthy of cheaper car insurance.

In short, parents can't avoid paying the higher rates to insure their teens behind the wheel, but they can keep the price as low as possible by encouraging them to be responsible adults and to excel in school.

Many car insurance companies reward teen drivers who maintain an A - B average in all of their classes. They feel that taking school seriously implies that they are responsible individuals and will approach driving with the same attitude.

The same goes for completing a driver's education course. Passing a safe driving course also indicates that students take their driving seriously.

Keep in mind that discounts on insurance are not mandatory. They are granted at the discretion of the individual insurance companies and are determined on a case to case basis. However, if you child is a full-time high school or college student, between the ages of 16 and 24 with at least a B average or a 3.0 GPA (Honor Roll or Dean's List - even better!) - you need to ask your agent about getting a discount on their insurance.

These are basic guidelines only. The qualifications for a student discount on car insurance may vary depending on the state you live in and the provider that you use so talk with your insurance agent for clarification. It is always wise to shop around. Compare quotes from at least three different companies. You may find out that your current insurance carrier does not have the best deal.

Frequently Asked Questions

  1. QUESTION:
    Where can I find info that explains why student car insurance rates are higher?

    • ANSWER:
      I don't know what to say.So why are you asking again & again

  2. QUESTION:
    Drivetime Student Car Insurance- any good?
    I'm just doing car insurance quotes and came across Drivetime Student where you can't drive after 11pm and before 6am for a 40% discount - does anyone have this insurance and is it any good? Also are you on the odd occasion allowed to go out after 11pm?!

    • ANSWER:
      Yes you can go out after 11pm, but each time you do you get a penalty charge

  3. QUESTION:
    17 year old student Car Insurance for a Ford Fiesta 1.25 or a 1.4 climate 2004-2005?
    Insurance for a Ford Fiesta 1.25 or a 1.4 climate 2004-2005

    I need reasonable car insure I have no “no claims bonus” and I am new driver. I have been quoted around £4000 fully com on a £4000 car. My budget for insurance is around £1400 full or third party. I am an A level Law student I will going to uni next year and I might use the car to commute to there

    • ANSWER:
      This is simple:
      If your budget is £1400 then get *third party only* and be very careful how you drive your nice £4000 car as if you dent it through your fault you fix it with your wallet.
      That's it.
      You could even get a £750 car and keep the £3250 in your wallet and when/if you dent it it won't be such a big deal.
      In fact you might need to do that as your insurance might even be over 2 grand even if it's only third party.
      And yeah you WILL dent it, 99.92% sure, according to general statistics.

      There's plenty of UK insurers here, it's free to get quotes:
      http://finance.ebookorama.com/ukusa-selected-resources.php
      be safe out there.

  4. QUESTION:
    How does it work when you need to insure ( car insurance) your college student when they are out of state?
    My daughter will be moving out of state to go to college. She will purchase a car there. Can she still be added to my insurance even though the car will be registered in a different state?

    • ANSWER:
      No, Your daughter will have to have a separate policy complying with the state requirements of the state where the auto is registered. r

  5. QUESTION:
    Student Car insurance?
    Does anyone know of a good insurance company that is suitable to students? I am off to university in september, I'm not taking my car with me however, I will be home every other weekend and will want to use it then as well as when i'm home for christmas etc. I am looking for an insurance company that is suitable for this kinda thing as I dont want to be payin lots for insurance when I hardly use the car.

    Thanks

    • ANSWER:
      If you are based in the UK, then Endsleigh would be a good place to check - I used to work there.

      They used to do a motor policy where a student could 'freeze' a policy - they would still pay their installments, but would be able to claim this back for the next year's premium at renewal, and could still get no claims bonus in some situations.

      Plus they are understanding that you'd effectively have 2 addresses, home and uni - something that some car insurance companies cannot do, and may charge you to change it everytime.

      Give them a try on the link below:

  6. QUESTION:
    How to get cheap car insurance for a student in the uk?
    I live in the uk. 19 years old and want to get a car.
    I have tried quotes and the cheapest i have found per year is around £5000, which is a JOKE.
    i want to know how to make it cheaper.
    My dad is a taxi driver so i cannot use his insurance
    thanks
    The car on the quote was a
    vauxhall corsa 1.2-1.4

    and i choose third party fire and theft
    I,ve tried go compare and may others and the cheapest i can get is £5000.

    • ANSWER:
      There isn't a best one I am afraid,.. You will have to shop around like the rest of us.

  7. QUESTION:
    Is it legal to use a student loan to pay for my car/insurance while I go to school?
    I am thinking about going back to school, but I don't have big income. So, I want to know if its legal to use a student loan for expenses like: gas, car payment, and insurance while I go to school full time.

    • ANSWER:

  8. QUESTION:
    Would car insurance cover be higher for a student or a student nurse?
    Currently applying for new car insurance, on website they ask for your details of full time education. It actually asks whether you are a student or student nurse? I happen to be student nurse but just wondered if anyone knew which would cost more?

    Thanks

    • ANSWER:
      I assume you mean full time occupation and not education ? Every insurance company is different in assessing students and student nurses. Some are happier with students as they tend to drink a lot in the evenings so don't drive (stereotyping I know but the statistics prove it). Some feel student nurses are a better risk as they are perceived to be more sensible people. Other companies either won't insure any of them, or charge the same price for both of them.

  9. QUESTION:
    Sent a fake transcript to a car insurance for good student discount?
    So me like an idiot sent a transcript from my college to Geico car insurance and it was altered. I thought that in the next semester, i can be able to make it all up. the altered transcript had 2 C's 2 A's and 1 B. What can i do now? I am really afraid because I really don't know what to do anymore. I feel like committing suicide because of this. What should i do? My original gpa for the transcript was 2.50

    • ANSWER:
      I UNDERSTAND, RELAX!!! geez its only a car insurance, my advice, since you have mentally abused your poor mind far more than anyone else is let this go, for now, do not get in any car wrecks. and since its clear you have a conscience and a heart. promise yourself you will not mindbleep yourself like this in the future. you are not the first, but be sure and make this your last time. When your car insurance comes up for renewal, they are going to want the same information more than likely. You did not say if you even got insurance from that company, but no matter, take it easy on your poor mind, please do not commit suicide over this , just do not do it again!!!! We ALL WANT LOWER RATES, WE ALL ARE GETTING SCREWED BY THESE GREEDY SORRY a HOLES IN A SUIT, THEY SMILE LIKE YOUR FRIEND, WHEN YOU GIVE THEM MONEY, AND THEY SQUEEK LIKE AN OVERTIGHT FAN BELT WHEN THEY HAVE TO PAY OUT. YOU ARE NOT ALONE. good luck you should be fine

  10. QUESTION:
    Student car insurance help. Anybody else in this situation?
    I have recently passed my test and am picking up a car I have bought in two weeks' time. The car is only a little 1.0L Vauxhall Corsa 2002, paid £2000 for it. I've been looking on insurance websites - namely Compare The Market, and the cheapest quote I've found is £2436 (£250 excess)! I am wondering if anyone can recommend an insurance company which will allow me to hold my own policy (not a named driver) for £2000 or less.

    Any suggestions?

    • ANSWER:
      Drop theft coverage and phone the whole book, you'll find something usually at the end of the phoning session!

      == Heart Of Saturday Night ==

  11. QUESTION:
    Good Student Discount for Car Insurance?
    I am a Senior in highschool living in california and my parents are trying to get me car insurance this week, however i dont know which GPA matters. Last year for my junior year i recieved a 3.8gpa and this year i have a 3.4. Am i supposed to show my cumulative gpa or one of these semester report cards?

    • ANSWER:
      It depends on your state/insurer but the Good Student Discount is usually for GPAs over 3.0 or average letter grades of B or better. The companies in our state go by the last full semester.
      Your school may need to complete and sign a Good Student form. Check with your insurer.

  12. QUESTION:
    mandatory car insurance for a student without a car...?
    I am an 18 year old student currently living with my parents in Illinois. I will be going to Iowa for college in august. my parents car insurance company said that they are required by law to have me insured for their car, even though i will not be driving it this summer and obviously wont be driving it in Iowa. My question is, does such a law really exist in Illinois or are they just trying to make some extra cash off of us? I have tried looking for it and haven't found it yet.

    • ANSWER:

  13. QUESTION:
    Why student’s car insurance is more expensive?

    • ANSWER:
      I am not a student and my insurance is apparently really expensive (I am in my 30's). You are not the only one paying lots. The reason mine is high? I have only been driving for a few years. My insurance agency did give me a couple years credit for taking drivers ed (but still!). I also drive a new car. It all has to do with your driving history.

  14. QUESTION:
    best car insurance for a college student?
    hey guys, I'm inheriting my mum's 1992 Nissan pick up truck. I'm 20 years old, female and have never had a car accident. I checked out insurance from State Farm (my mum's) and it's 78$$ a month. that's way too much for me (a financial aid college student). Anybody know of a good cheap car insurance?

    • ANSWER:
      a month is a damn fine rate for a 20 year old.

      There's no shortcut, though - to find the cheapest rate for you, you have to shop around. Don't bother with all the spam links you'll get as a result of this question - they only want to harvest your personal information to sell it.

  15. QUESTION:
    Can you get student loan to cover a car and car insurance?
    I was just wondering what all a student loan covered? Do you determine what it covers or does the bank?
    I am going to school I was just wondering What it covered?

    • ANSWER:
      The key to not coming out of college with a bunch of debt is to borrow as little as you can. With that being said, most student loans are based on the cost of attendance, etc. The loan is paid directly to the school and they send you what is left after tuition and fees. You can spend that money however you want, but use it wisely because you will be paying your loan bills for a lot longer than you will have whatever car you are getting.

  16. QUESTION:
    minimum wage, full time student, need car insurance.....?
    i am a just starting college student and my mother and her husband want me to get my own car insurance but ii have no clue where the cheapest place is to go and i sorta need something cheaper b/c im a full time student with a minimum wage paying job. im use to paying only fifty dollars a month on their insurance and i would like to get something that costs no more than like, 200 , i guess a month... any ideas???? thank you so much!!!

    • ANSWER:
      hard to say...we dont even know if you are required to get full coverage or not. I am with Geico and only pay 50 bucks a month for full coverage, but im in my 30s with a perfect record & married. I remember when i was young they really wanted alot of money. I actually almost bought a car but got out of it when i found out they wanted 300+ dollars per month for insurance.

  17. QUESTION:
    What is the cheapest car insurance in Toronto, Canada for a female student w/out any prior auto insurance?
    I am 22 years old and have never had auto insurance b4. I do have the driver's certificate and currently have a G2. The basic coverage is fine as I will not be getting a new car. I'll be getting a 1998-2001 car not sure of the modell yet.

    • ANSWER:
      There are many factors that affect auto insurance rates, with the main facotr being the car. Here is a list provided by the Insurance Bureau of Canada, that lists all cars and how their risk factors compare to each other.

      http://www.ibc.ca/en/car_insurance/docum...

      In each category, 100 is the average rating, so if your car is rated 150, it is 50% above average, or 50 is 50 % below average. Lower numbers are more favorable.

      You can get free quotes at http://www.kanetix.ca , they compare all the companies in your area and then give you the 5 best prices!

      Hope that helps

  18. QUESTION:
    Are there any UK car insurance companies that will insure a university student for only weekend/holiday use?
    My daughter will soon be off to uni, she wants her own car but will only use it when she is home for weekends and holidays, I have heard that some insurance companies will cover her for just these days - anyone know who?

    • ANSWER:
      Providing your daughter is over 21 and has held a full UK/EEA/EU licence for a minimum of 12 months, this shouldn't be a problem.

      She can purchase (or good old Mum can) insurance cover from between 1 to 28 days.

  19. QUESTION:
    car insurance for student under 18?
    i wanna know how much insurance cost in one month, if i'm an international student and i buy used car, my insurance isn't related to any one... thank you
    i wanna know how much insurance cost in one month, if i'm an international student and i buy used car, my insurance isn't related to any one... thank you
    I buy my own insurance, not just add to my family insurance

    • ANSWER:
      in america quotes are based specifically on. how long you had your license. your driving history. your gender (weird) and your age.
      i have geico, its super cheap for me. and get the lowest coverage....

  20. QUESTION:
    i need a form for allstate car insurance good student discount?

    • ANSWER:
      Go to

      http://agent.allstate.com/

      Type in your zip or city

      Call the agent and ask for help.

      Do this between 8:45--9:00am when they are least busy.

      You may need a policy number to expedite yuur savings if you are not just shopping for an insurance company that offers this discount.

      If you are planning to buy a policy, first look for the least costly insurer. That can easily save 0--1000 depending on your profile.

      Type Auto Insurance Quotes in the Yahoo search area, when they come up, try esurance.com and others to see what they will charge you.

  21. QUESTION:
    Why is important to have insurance ? What are 3 ways a student can lower his/her car insurance ?

    • ANSWER:
      Insurance is a MUST. If you were to get in an accident (which happens more often than you'd think), you'd have to pay the expenses out of pocket, which could easily cost you thousands upon thousands of dollars, just for the other party alone. Students can lower their rates by being on a parents policy, driving a "safer" car as opposed to a sporty coupe-type vehicle, and keeping their grades up. Many companies reward students by lowering their rates when they maintain a specified GPA.

  22. QUESTION:
    how often do car insurance companies ask for transcripts for good student discount?
    i am 21 and still in college.
    i was wondering how often they request for your transcript to verify that you still qualify. is it every semester or once a year. i cant remember the last time my dad asked me for my transcript to give to the insurance company. i got a 3.5 in the fall 2010 semester but i do have a C+ on it that i want to hide from my parents so i was wondering what the chance is that they'll want my transcript for the fall semester for car insurance companies. thanks

    • ANSWER:
      It is usually every time your policy is due for renewal or every semester. It's all up to the insurer, you can call them and ask since you are listed on the policy. The base it on your total average so a 3.5 is beyond their requirements. Unfortunately, I never qualified for this discount because I always barely passed, you should take a defensive driving course if you haven't done so already. You will get 10% off your liability and collisions premiums plus up to 4 points off your license(if you have any). Also make sure you are getting all the discounts you can get such as, multi-car/homeowner, paid in full, full airbags, automatic seat belts, etc. Hope this helps!!

  23. QUESTION:
    Car Insurance for a College Student?
    I am a 19-year-old college student that is a female and I drive a 2003 Honda Accord. I have no accidents or damages to my car, nor tickets. How much would my insurance be for myself?

    • ANSWER:
      With minimum liability, bare bones, what you need to hang the plates, in a city, and NO other household members or operators, it should run you around 00 to 00 a year.

  24. QUESTION:
    affordable car insurance/ college student. please answer =]?
    hey everyone!
    i am looking for some car insurance!
    like... the most affordable i can find...
    for a 98 nissan.
    i am 18 years old, no accidents or tickets.
    and im a "broke college student"
    soooooo the cheaper the better, and just liability is fine.
    any suggestions?
    good/bad experiences?

    thank you!!

    • ANSWER:
      There isn't a best one I am afraid,.. You will have to shop around like the rest of us.

  25. QUESTION:
    What kind of car insurance should I get? I am a student?
    I drive a chevy tahoe that is worth about 00. My current coverage is liability: 50/100 property damage: 50 uninsured motorist 50/100. I live in los angeles california. I pay 1000 a month for my insurance. This is not very affordable and I was wondering what I could do to pay less. I am insured by nationwide. I was thinking maybe I should drop uninsured motorist what do you guys think I should do?

    • ANSWER:
      Two of the main factors in determining insurance prices are your age and where you live. You cannot change your age, but you can change where you live. You can move to somewhere that insurance costs less than in Los Angeles.

      Or, you could sell the vehicle, and just use L.A. metro, Metrolink, Amtrak, etc., trains and buses (and taxis) to get everywhere.

  26. QUESTION:
    What companies has cheap car insurance for college students?
    Im a college student and wants to get off my my parents car insurance its currently 97.00 a month she said thats the cheapest it would be because I would have to pay 500 or 800 in advance or something like that. But i want to be independent and just pay it myself under my own plan ...any suggested car insurance companies?

    • ANSWER:
      Get your insurance from a good company offering good coverage, then stick with them for the long term.,..

      All insurers play 'leap-frog' with prices because their prices are determined by their loss experience.

      If you have a good long-term track record with your insurance company they won't cancel you if you have a bad year.

  27. QUESTION:
    Car and Health Insurance for student on academic probation?
    I was a full time student on my parents car insurance plan and health insurance plan

    However I wont be able to attend my spring semester due to being on academic probation, so I was wondering what will happen with the insurance?

    Will I need to get my own car and health insurance? I did some quick looking and found health insurance plans for only a month, they were very basic but would be fine, I think, until I could start attending school again next fall.. however the car insurance I looked at were OUTRAGEOUS... I went to Geico and checked and it came up with over ,300 for 6 months for car insurance

    I drive a 2007 Ford Focus ZX3 with less than 5,000 miles on it, I have never been in an accident that was my fault and the only violation I have was a speeding ticket that was removed from my record after traffic school

    I'm 19, will be 20 in June.. I tried googling the answers but kept getting useless articles

    Any help is greatly appreciated

    Thanks!
    Also, I live in Kentucky, forgot to mention that

    • ANSWER:
      If you are still living at home you should be able to stay on the auto policy. If not you may have to get your own. However, the insurance companies may not request academic standing this semester so you may luck out.

      Some health insurance companies are now starting to allow kids to stay on a policy until age 30, with or without college, as long as they're living at home and unmarried. Most require you to be in college and will only cover you through age 24. Each state and each company has different laws and rules, though, so you'll have to call your agent.

  28. QUESTION:
    where can i get extremely cheap car insurance for a 17 year old student?
    i have recently passed my drivin test and i am looking for cheap car insurance...everywhere i look its is way too exspensive....if any1 could help me out please do.....this doin my head in now...thanks for any help given

    • ANSWER:
      the only way to a cheap insurance is to get a non powerrful 4 door old beater, pay cash for it and insure it on state minimum, keeping your deductible as high as you can.

  29. QUESTION:
    What is the best CAR insurance for an 18yr old college student who is away from home?

    • ANSWER:
      By best, I'm going to assume you mean company, rather than coverages. Coverages will depend on more than your age and where you live. I would visit with a State Farm agent near where you are currently living. You can locate an agent on www.statefarm.com. They will not only be able to give you quotes, but offer excellent suggestions on how to protect yourself and your belongings against other losses.

  30. QUESTION:
    What is the difference between a "good student" and a "full time student" status to a car insurance firm?

    • ANSWER:
      A good student generally has B or better grades on average in all classes. A full time student has at least 3 classes per semester, although the rules may vary by the company.

      You can take, and fail, 4 classes and be a full time but not good student. You can get an A in the one class you took that semester. and be a good, but not full time student.

  31. QUESTION:
    Good or Bad Idea about car insurance: I am a broke college student with a 0 car payment a month.........?
    I am a broke college student with a 0 a month car payment. My monthly insurance is 0. So every month I am paying almost 0 for a car plus full coverage.And that is with a deductible of 0. NOW....i found online that if a pick a deductible of ,000 or higher I can save over a hundred dollars a month on car insurance. Is this a good or bad idea????????

    • ANSWER:
      As long as you're prepared to fork over 00 when you are in an accident, its a good idea. If you can save 0 per month, you just have to go for five months without an accident and you'll break even. Go longer without an accident, and you're saving money.

      BE SURE that you have 00 to pay for your deductible, though, if you get in an accident.

  32. QUESTION:
    Last year the govt took over car companies, student loans, insurance companies and banks. What's left to take?

    • ANSWER:
      Healthcare, car insurance, homeowners insurance, steel mills, oil companies....

      they're already working on a couple of these.

      "well, the British govt's been selling off state assets for years to the highest bidder, so there's plenty to buy back.

      It just goes to show that capitalism is simply not sustainable."

      uhhhh, you really need to go back to school. Capitalism doesn't involve the govt owning or running any businesses. If anything your quote is more proof that capitalism does work and socialism doesn't.

  33. QUESTION:
    Do you have to be a student to stay on your parents car insurance?
    (Over 18 but still a dependent)

    • ANSWER:
      You can stay on your parents policy as long as you live there & they allow you to. Once you buy your own vehicle, you will need to get your own insurance. At that time, you would be taken off your parents policy. You age does not matter.

  34. QUESTION:
    Do insurance companies verify your college transcript for a good student discount?
    I am a 19 year old college student i have car insurance with dad that added me to his car insurance so i wouldn't have to pay thousands of dollars myself. Recently my dad has been asking me for my grades because he heard i was eligible to get a "good student discount". I would have to have a 3.0 GPA or higher, unfortunately i do not have a GPA in that area. I was just wondering if car insurance companies completely verify a college transcript.

    • ANSWER:
      The verify it somehow. They might be satisfied with the grade reports that are sent each semester, and not insist on a transcript. But they will not take your word for it.

  35. QUESTION:
    How do I teach elementary students about Car Insurance at Career Day?
    I am attending Career Day at the local school (grades K-6th) to educate them about the Insurance business. I have 8 minutes for each presentation and would like to keep it exciting to get kids interested in Insurance. What would you think a child would consider as exciting about this career? Does anyone have any ideas? Thanks!

    • ANSWER:
      I would relate it something that they have in their world. Talk about insuring a Wii, XBox or bicycle. Tell them in a story-like way. Remember to smile and just tell them the basics!

  36. QUESTION:
    What car insurance would you recommend for a first-time driver college student?
    What is most reasonable priced and with the most useful facilities?

    • ANSWER:
      There is no one best company to answer this question. Since everybody is different: location, age, history, etc. the best thing for you to do is go online and compare quotes to find what is right for you.

      It is really simple these days to compare quotes from all auto insurers at the same time, saving you time and most of all MONEY.

  37. QUESTION:
    Would any car insurance(allstate,geico) insure an international student who doesn't have a PA licence?
    I have my country licence and an international driving permit. I would like to buy a car in Pennsylvania as I am staying for about a year in this country. I would like to know will car insurance companies insure me?

    • ANSWER:
      I don't have a clue what a PA licence is but what I know is that I drove coast to coast and back on my international licence and had no residence in the USA as i don't live there.
      It was no problem getting insurance, renting two cars, a caravan and even a bike in california and one in florida.
      I am not sure about staying a year there, I was there for 6 months.
      I also rented a caravan in canada and had no problems.

  38. QUESTION:
    What is a good price for car insurance for a 22 yr old full time college student?

    i need the cheapest possible quote. I only make 400 bucks a month

    • ANSWER:
      check out progressive and allstate
      u might get around 0 per 6 months

  39. QUESTION:
    what is the best car insurance company for a graduate student?

    • ANSWER:
      I have pretty much shopped them all. Esurance was the best choice for me. Cheaper rates than any I could find locally or online, good coverage, and not fly by night as they are a part of the White Mountain Insurance group.

  40. QUESTION:
    What car insurance company is affordable for a student with a part time job with a fair amount of pay?

    Im a student who is looking to get off my parents insurance and is wondering if there is a good insurance company for students that dont have alot of money to play around with. Your answers are greatly appreciated

    • ANSWER:
      Your rate depends largely on your zip code, vehicle, age, etc. Different companies are cheaper in different areas. You may want to try getting a quote online. I am paying less than ½ of what I was before.

      Go to: http://www.insureme.com/landing.aspx?Refby=615451&Type=auto

      Take care,
      Casey

  41. QUESTION:
    i am a college student with very limited income. Should i get liability car insurance or full coverage.
    if i get full coverage then it is harder for me to save money but covers the vehicle if somethiing happens. If i get liability it is easier for me to save money but if the car gets wrecked i am screwed??? What should i do?

    • ANSWER:
      What is the value of your car?
      In most cases if the value is less than 00 then there is no point in getting full coverage.
      If the value is more than 00 then get the full coverage but have a high deductible (like 00), that way your premium will be less.
      Drive carefully.
      http://www.insuranceworldinfo.com/

  42. QUESTION:
    Can a parent cover insurance on a student's car?
    The car I drive is currently registered in my father's name. It is covered by an automobile accident insurance policy paid for by my parents, along with their cars. I have been making payments on the car, and it will soon be paid off. If I have the car registered in my name, can my parents still cover the car in their policy, or will that be another thing I have to pay through college?

    • ANSWER:
      Most likely you can have the vehicle in your name but still keep it on your parents policy. If you are a minor you will have to have the insurance policy in your parents name or someone who is not a minor. Minors cannot enter into a contract like a car loan or insurance policy. You could have your parents call their insurance company and find out for sure what their policy is in doing what you are asking about or you could call yourself and just ask your question and see what they have to say. Insurance companies have different policies regarding how they will insure a vehicle. You just need to find out what your parents insurance company will do in your situation.

  43. QUESTION:
    student car?
    what is the best student car
    these are things i am looking for
    high miles to gallon
    reliability
    cheap insurance on the car
    fairly cheap (can be second hand)
    etc
    yes i live in the uk if tht helps

    • ANSWER:
      For cheap insurance stay away from 2 and 3 door cars and get a 4 or 5 door (anything which looks at all sporty tends to attract higher insurance premiums, probably high enough to make the extra cost of two more doors look cheap).

      If you're buying new then something small from Korea will do, a Hyundai Getz or Accent, Kia Rio or Daewoo Kalos (though they aren't sold under the Daewoo name outside of Asia) are cheap to buy and run and if you maintain them will give you good reliability (true of any good car).

      With a used car you'd be looking towards something that size although if you buy used you buy based on condition and maintenance without any real regard for model (provided that a model you're looking at doesn't have a history of shoddy construction).

  44. QUESTION:
    good student discount for car insurance?
    so...i just completed my first year of college, and quite frankly i finished up poorly. my GPA is like a little over 2.4-2.5 and my dad is asking if i'll be able to send my transcript to the insurance (my dad is unaware of my grades). no chance of getting some discount or any at all??...i've kept my grades from my dad for quite some time, and now this is totally gonna blow my cover. i'm screwed aren't i? i'm a full time student and the insurance company is american family. so i guess my question is, do they discount % based on intervals of GPA, or is there just a minimum requirement and it's either you get a discount or not?

    • ANSWER:
      I believe you need at least a 3.0 to receive the "Good Student" discount. Explain to your dad that the first year of college is tough, that you tried your best, and that you will try really hard to bring up your GPA your sophomore year. I don't get upset when my kids bring home poor grades if I know they tried. Good luck!

  45. QUESTION:
    best car insurance company for a great student?
    i have really good grades and have taken defensive driving and i have a car thats worth under a ,000.

    any1 know wat the best company for me is under my parents cuz they are willing to change theirs to meet mine???
    by best i mean cheapest, im not really worried too much about coverage cuz i have to drive to school [1 mile away] and work [half a mile away] and i go to hi school

    • ANSWER:
      If your parents are/were in the military, then USAA can be very competitive. Progressive and Geico can also be competitive, if you fit in their "model."

      AIG, Safeco and Mercury Insurance (if you live in CA) are competitive, but can sometimes be tough if you have a claim. If you live in PA or NY, Erie Insurance is very competitive.

      I would go to an independent agent's office with your parents, and get a bunch of quotes. A good agent can sometimes know which companies like young drivers, and can also find discounts (like good student, driving school, multiple policy) that you may not have known about.

      The key is to shop around a lot. You may be shocked at how much your insurance costs.

  46. QUESTION:
    What are the stipulations for a full-time students at a car insurance firm?
    I recently took 13 units and ended up failing a (3-unit) class. I was wondering if that would take me off of the full student status?
    I believe my car insurance is AAA and I live in California.

    • ANSWER:
      If you were enrolled as full time, it counted as full time. You probably won't be getting that good student discount though.

      If you're worried your insurance will drop you, you should call them and just ask an agent what their policy is.

  47. QUESTION:
    Car insurance question. Good student discount?
    I have Mercury Insurance right now, and I am aware of the good student discount. But, quick question...

    Do they look at your Academic GPA or your non-weighted GPA?

    • ANSWER:
      They will look at your GPA, you are required to have a 3.5 or higher.

  48. QUESTION:
    Car insurance regarding student drivers?
    I recieved my PA learner's permit a while ago and now I'm looking at insurance. This brings up several questions.

    First of all, I will be driving my parent's car, and will not be buying one of my own. Is it necessary (or legal for that matter) for me to have a policy in my own name, or can I just add my name to my parents' policy?

    Also, which option will be more economical? I realize that this will be a financial nightmare to add myself to a policy, but what are some things I can do to make it easier on my wallet? (I don't want my tombstone to say that I died from looking at my bank statement).

    Thanks!

    • ANSWER:
      If you are under 18, you cannot legally enter into or sign any type of contract in the US. You will be added to your parents policy & if you want to get your own insurance once you turn 18 you can do so then.

      Granted, your parents premiums will increase for having an new teen driver on their policy.

  49. QUESTION:
    Why is car insurance more expensive for a full time student than for somebody in full time employment?

    in the UK..............

    • ANSWER:
      In most states, insurance rates are based on years of driving experience. If you're a student, chances are you haven't had your license very long, so your rates would be higher. It may also depend on what kind of car you drive and on whether you live in a neighborhood that has a greater incidence of theft and vandalism.

  50. QUESTION:
    What must a student's GPA be to receive a car insurance discount?

    • ANSWER:
      B or better so 3.0


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