The Auto Insurance Website, just my pondered Auto Insurance'

Most students are on a budget, and that means that you have to keep track of your expenses, especially the major ones, such as car insurance. And since you are a student, you might be afraid that the insurance companies will not want to deal with you, or at least that they are not willing to offer you certain affordable deals. Well, if that’s the case, you’ll be happy to hear that there are ways you can get lower car insurance premium that you can afford, and that some companies even have special deals for students. If you do your research and shop around online a bit, you might even get significant discounts, especially if you are getting your first car insurance policy. Take a look at these tips, they will certainly help you know what to look for.

1. Most auto insurance companies work under the assumption that the older you are, the less risk of you getting in a car accident or having your car damaged there is. This most often means that students older than 25 can expect to pay considerably less for the same auto insurance policy than the ones under that age. If you are close to your 25th birthday, it might be a good idea to wait a bit longer to get insurance, since you might end up paying a lot less for it.

2. If you’ve been driving for at least a few years, and if you have a clean driving record, meaning no traffic violations or accidents, you will probably be eligible for a lower premium. It doesn’t really make any difference if the accident was caused by you or not – the insurance company will still regard you as a higher risk, and that will be reflected in your rates. So if you are just starting to drive, pay attention – small lacks of concentration now could mean that you will have to pay unnecessarily high insurance premiums for years to come.

3. Having good grades, or an average of at least a B, might mean that you are viable to qualify for a more affordable car insurance with some of the companies. The companies that have these kinds of special offers will require that you send them a copy of you school transcript before they approve the special price, and you will be required to keep the grades up for as long as your policy is active.

4. If you don’t expect to travel many miles, you might be eligible for the lower premium rates as well. So if your school is near by, do check if the insurance company you are considering is offering this kind of incentive.

5. Having taken a course in defensive driving or drivers ed could also make you eligible for lower car insurance prices, so investing in such a course may pay for itself.

6. Having an older car will make your car insurance premiums higher, so buying an old, cheap car might actually be more expensive than buying a younger one in the long run.