• Facebook
  • Pinterest
  • Twitter
  • Linkedin

Customer Login

InsuranceHub
Call Us Today(770) 497-1200
TRUSTED FOR30+ YEARS
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close
GET QUOTE

6 tips for getting college student car insurance

Home | Auto Insurance | Insurance | 6 tips for getting college student car insurance

11 Feb
2020

6 tips for getting college student car insurance

by Katelyn Betts | in Auto Insurance, Insurance
6 tips for getting college student car insurance

If you’re a college student, you’re learning to handle a lot of new experiences on your own. You’ve got a lot of freedom, but with that freedom comes a word that strikes fear into the hearts of even the most intrepid college students: adulting. It’s not easy to be a grown-up, and one thing that you might be dreading having to deal with is car insurance. There are a few things that it’s helpful to know when it comes to college student car insurance.

6 tips for getting college student car insurance.

Here are a few tips for getting college student car insurance:

1. Look into college student car insurance discounts.

Yes, we did use the magic word – discounts! Money can be tight when you’re in college, and saving money is a definite plus. Car insurance for young drivers can be pretty expensive. But not to fear! You can get some discounts on your college student car insurance. Here are a few that you might be eligible for:

Good student: If you make good grades, you might be eligible for a Good Student Discount. You can rack up some savings on your insurance just by doing well in class! Keep in mind that you’ll probably have to be able to show proof of your good-student status, like a transcript.

Away-at-school: As a college student, you may be able to get a discount if you’re going to school a certain distance away from home (i.e. 100 miles) and you’re not bringing a car. (You might be able to help your family save money on your car insurance.)

Bundling: If you’re bringing a car to school and you’ll also be living in an apartment, you may be able to save money by bundling your car insurance and your renters’ insurance. (We’ll explain more about this in a bit.)

Pay-in-full: You also might save money on your car insurance in the long run if you’re willing to pay your premium in full rather than paying in installments. Yes, the sticker shock might be a bit of a blow, but it’s worth evaluating your options.

These are just a few potential discounts you might be eligible for. When you’re getting your insurance, don’t forget to ask about discounts. They’re an easy way to save money on your college student car insurance.

2. Understand the different coverages.

You also have to make sure that you understand your different insurance options. There are a few coverages that are really important to know about:

Bodily injury liability: Bodily injury liability can help cover the other driver’s medical expenses and lost income if they are injured in an accident in which you’re at fault.

Property damage liability: Property damage liability can help you cover the costs of repairing the other driver’s car if you’re at fault in an accident.

Collision coverage: Collision coverage can help you repair your car following an accident – or if you manage to hit something else.

Comprehensive coverage: Comprehensive coverage can help you repair your car if there’s a loss that isn’t an accident – for example, theft, fire, vandalism, falling objects, or animal strike.

Pro tip: Keep in mind that bodily injury liability and property damage liability are often required by the state, while collision and comprehensive coverage are often required by lenders if you have a car payment.

Uninsured/Underinsured motorist: UM/UIM coverage can help you if another driver causes an accident and doesn’t have insurance (or doesn’t have enough insurance) to cover the entire cost of the accident.

Rental reimbursement: Rental reimbursement coverage can help you cover the costs of renting a car if yours is in the shop following an accident.


Protect your car & save money. Get a quick auto insurance quote today.

 


3. Consider bundling your renters insurance and your auto insurance.

If you’ll need renters insurance because you have an apartment, you can consider bundling your renters and auto insurance. (All this means is you’re getting both coverages from the same insurance carrier.) Anyways, a lot of carriers offer a multi-line discount, so you could save money just by getting your renters insurance and car insurance from the same carrier. It’s definitely something to consider. See if bundling would be the right option for you.

4. Drive safe.

It’s really important to keep a clean driving record, which means driving safe. This can help you keep your insurance rates down. Otherwise, you could be facing a very high car insurance premium. So, be careful behind the wheel.

5. Be proactive – try not to procrastinate on getting your insurance.

When you get your car insurance quotes, try not to wait until the last minute. You’ll save yourself a lot of stress, and you’ll have more time to explore different car insurance options. If possible, give yourself plenty of time to get car insurance. Procrastination might be tempting, but spare yourself the headache – you’ll thank yourself later!

6. Get multiple quotes.

It’s also not a bad idea to get multiple quotes for your insurance. You can compare your options that way, looking at coverages and such. But when it comes to comparing prices, make sure that comparing apples to apples, meaning that you’re looking at the limits and quality of coverage for each option, not just the price tag. (For example, one option might be cheaper because it’s being presented with lower limits of coverage than another.) Comparing apples to oranges isn’t going to be much help to you. Anyway – by getting multiple quotes, you can get the same quality coverage at a lower price.

insurancehub get insurance quote

Now, getting multiple quotes for car insurance might seem like a lot of work, and it might seem daunting. But that’s where our team of insurance agents can help. We’ll get multiple quotes for you, and we’ll explain the coverage and answer any questions you might have. Get started with insurance quotes by filling out our online quote form or messaging us on LiveChat. (You can also give us a call if that works best for you.)

Share this article...
  • Facebook
  • Pinterest
  • Twitter
  • Linkedin
Tagged car insurance, college

About Katelyn Betts

Kate is a copywriter and licensed insurance agent for InsuranceHub. She graduated from the Savannah College of Art and Design with a BFA in writing. Kate has lived in Georgia for most of her life, and she enjoys reading, writing, and playing with her family's cats.

Post navigation

7 tips for first-time homebuyers
Don’t let your DOT Number work against you

Related Post

Keep Toasty With A Great Winter Soup

Keep Toasty With A Great Winter Soup

10 Tips for Enjoying the Gemini Meteor Shower

10 Tips for Enjoying the Gemini Meteor Shower

National Safe Toys & Gifts Month

National Safe Toys & Gifts Month

CALL FOR A QUOTE!

(770) 497-1200

Speak with an insurance agent who can deliver transparent insurance options and competitive rates. Shop across all our carriers and get a fast & free quote!


Online Quote Form

Recent Articles

  • What To Do After Purchasing a New Home: A New Home Purchase Guide December 22, 2020
  • 5 Common Mistakes People Make on Homeowner’s Insurance Claims December 22, 2020
  • Did your credit score increase? It’s time to shop insurance rates December 10, 2020
  • Why it’s important for your employees to take time off December 8, 2020
  • Vacation Home Insurance 101: What It Is and Why You Need It December 7, 2020

Article Archives

  • December 2020 (5)
  • November 2020 (1)
  • October 2020 (8)
  • September 2020 (7)
  • August 2020 (4)
  • July 2020 (5)
  • June 2020 (4)
  • May 2020 (4)
  • April 2020 (6)
  • March 2020 (7)
  • February 2020 (4)
  • January 2020 (11)
  • December 2019 (11)
  • November 2019 (11)
  • October 2019 (15)
  • September 2019 (11)
  • August 2019 (13)
  • July 2019 (13)
  • June 2019 (12)
  • May 2019 (14)
  • April 2019 (13)
  • March 2019 (13)
  • February 2019 (14)
  • January 2019 (13)
  • December 2018 (13)
  • November 2018 (18)
  • October 2018 (16)
  • September 2018 (10)
  • August 2018 (10)
  • July 2018 (13)
  • June 2018 (10)
  • May 2018 (15)
  • April 2018 (10)
  • March 2018 (9)
  • February 2018 (9)
  • January 2018 (12)
  • December 2017 (9)
  • November 2017 (10)
  • October 2017 (9)
  • September 2017 (8)
  • August 2017 (9)
  • July 2017 (10)
  • June 2017 (9)
  • May 2017 (10)
  • April 2017 (10)
  • March 2017 (8)
  • February 2017 (6)
  • January 2017 (4)
  • December 2016 (5)
  • November 2016 (8)
  • October 2016 (8)
  • September 2016 (7)
  • August 2016 (9)
  • July 2016 (8)
  • June 2016 (8)
  • May 2016 (6)
  • April 2016 (9)
  • March 2016 (9)
  • February 2016 (7)
  • January 2016 (3)
  • December 2015 (4)

About Us

At InsuranceHub, it’s our mission to make insurance easy. Our goal is to be more than just an insurance agency. We want to be a partner and an advisor to our customers.

© 2020 InsuranceHub Agency, LLC. All rights reserved.

Licensing & Legal

Company Information

  • About Us
  • Leadership Team
  • Careers at InsuranceHub
  • Connect on Social Media
  • Pay Your Bill
  • Customer Login

Communications

  • Our People
  • Leadership
  • Careers
  • Corporate Responsibility
  • Review Us

Your Security Is Our Priority

1720 Lakes Parkway
Lawrenceville, GA 30043

Phone: 877-341-5728
Phone: 770-497-1200
Fax: 770-814-7187

FEW-0630AO (11/2018)
  • Auto
  • Life
  • Health
  • Business
  • Privacy Policy
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close