Student auto insurance is very essential for young motorists and drivers. Uninsured driving could put a question mark on your future and lifelong driving and credit ratings. It could also land you in jail if you have an accident and are without any student auto insurance. You can avail different discounts and other concessions on your insurance premium by adhering to simple restrictions.

What are the available premium rates?

Premium rates of student auto insurance are normally high. There are various determinants like your age, driving record, your car make like sports car, etc. DUI-Driving under influence of alcohol or drugs or DWI-Driving while intoxicated receives higher ratings on your premium. Besides, new age and trendy cars are mostly of fiberglass and hence insurance companies ask for higher premiums to insure such cars.

Additionally, you pay premiums according to your place of residence. Proximity to bigger and prominent cities attracts higher premiums. Again premium rates go north if you are male under the age of twenty-five as accident rates for people in this category are the maximum. Normal annual insurance rates for students range from $3,600 to $13,800.

Can I lower my insurance premiums?

Yes, you can lower your student auto insurance premiums through simple measures. The best option is to maintain good driving records. Discounts also depend on your academic grades. Maintain good levels in your college grades and present a copy of your mark sheet to insurance company to receive substantial discounts.

If you live close to your campus and drive less, you can opt for low-mileage discount. Further discounts are available for participating in Driver