The need for student auto insurance,whether you take a car to campus or just use the family vehicle when you are home, should be a question included with planning for that annual or inaugural return to campus.
Insurance costs are impacted by many factors but a new or young inexperienced driver, daily mileage use, even credit history can all be factors in that cost. A fast hassle free way to determine what is the least expensive manner in which to handle that car on campus or the diminished use of the family vehicle because you are not at home, can be answered right here.
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Paying all of the costs that come with going off to college is a stress on any budget but here are some tips to help lover the cost of student auto insurance:
Compare quotes : The family auto insurance plan may not provide the lowest cost. Shop for coverage online
Buying a car for college ? : Vehicles are all rated by insurance companies based on accident experience and repair costs. Check out the insurance rating when looking for a vehicle
Higher deductible means lower premiums : The deductible( the part you pay in the event of a claim) can have an impact on cost. Raising the deductible to a level that lowers your cost but which you are still able to pay can save you money
How much coverage do you need ? : Newer car more coverage, older car consider liability only to save money. If your vehicle is 10 years old the cost of carrying full coverage may not be worth it.
How’s your credit history ? : Most of the major insurance companies will check your credit before they write a policy. Poor credit history can cost you money. Use credit wisely!
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Staying on the family policy is frequently your least expensive option but there are certain conditions that may need to be met and it is best to contact your family’s agent or insurer to make sure. Most companies will require the following:
A valid drivers license
Your permanent address is still your family’s home
The car is titled and registered in your parent/guardians name
Unlike health insurance your auto insurance coverage is not age related but make sure that you are still on their plan.
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