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How Students Can Lower Their Auto Insurance Costs

young driver, how students can save on car coverage

Students, try out these suggestions to save on your auto policy.

If you are still a student, then you are likely living on a budget.  Naturally, the last thing that you want to spend money on is auto insurance in Carrollton, Texas.  Luckily, there are many things that you can do to make your car coverage more affordable.  Here are some of the best ways that students can save money on their auto insurance.

Take a Defensive Driving Course

Many auto insurers will offer discounts for drivers who prove that they are safe and responsible on the road. Enrolling in a defensive driving course is one way to show your insurance provider that you are committed to low-risk driving behaviors.  On average, students who enroll in these types of courses save up to 10% on their insurance premiums.  Additionally, completing a defensive driving course can also remove speeding citations from your driving record.  As drivers with clean records have access to lower auto insurance rates, this is just another way that taking a defensive driving course will help you save on your car coverage.

Keep Your GPA Up

Most insurers will also offer good student discounts.  This is because statistics show that good students are less likely to get into auto accidents.  Typically, you must maintain a GPA of 3.0 or higher or be named on your school’s dean’s list to qualify for good student discounts.  It is also important to note that these discounts are only typically offered to full-time students under the age of 25.  You will need to provide proof of your grades (with a verified report card, transcript, or letter signed by a school administer) to access the discount.

Bundle Your Policies

Almost every car insurance provider offers discounts to customers who have more than one policy with them.  So, if you are looking for multiple types of insurance, then consider securing your policies for the same insurer so you can access savings.  Please keep in mind that you should only bundle your policies if you are happy with the insurer.  If you like the auto coverage but do not like the other policy type, then do not settle just to save.  You should always prioritize coverage over monetary savings.

These are some of the things that students can do to save on their auto insurance in Carrollton, Texas.  Are you looking for the right car coverage to meet your needs and your budget?  If so, then contact the experts at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Nationwide, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.