insurance rates
2020 has been a shock to all of us, probably one of the worst years we’ve ever experienced. School just started and there are a lot of things that you are worried about. Having to adjust to the new educational system because of the pandemic, unending paper works and then deadlines you need to take note of, this means that online car insurance probably is the first thing on your mind right now.

It is important to know that there are ways to help you cut costs on your insurance premiums. Trying to find the perfect price that’ll fit your needs and your budget can be stressful especially when you’re busy with school. So as a student, what will be your approach on buying or renewing your car insurance?

What does a student like you need to know about getting a car insurance? Here are 5 things to take note of!

Good Student Discount

Not only do getting good grades take you to great heights but it can land you great deals for your car insurance! Can you remember the last time your mom would badger you on getting good grades because it’ll definitely help you in the future?

Students who are able to maintain at least a B average are rewarded by Insurance Companies of up to 20% Good Student Discount.

Those sleepless nights from studying definitely pays off!

Get a Black Box Insurance

Black Box Insurance or Telematics insurance uses a device installed in your car that will measure the quality of your driving. As a reward for giving your parents a peace of mind whenever you’re on the road, you’re offered these car insurance perks! This means that if you can prove that you’re not a Fast and Furious driver, then insurers can offer you a good deal of discount.

Not only will you be able to give your parents a peace of mind while you’re on the road, but you’re able to save money.

Stay On Your Parent’s Insurance Policy

If there’s one thing that this pandemic has taught us, is the advantage of going back to your parents house. You don’t have to pay rent and there’s unlimited food supply. You know what else is great? Staying on your parent’s insurance policy, this will save you a good amount of money. It’s actually more expensive for you to get your own insurance coverage than staying on your parents insurance policy.

Cut Back On Your Mileage

Basically, if you drive less, you pay less. The most basic reason for this is that when you drive less, your chances of getting in an accident are low. Did you know that some insurance companies will offer up to 50% discount if you drive fewer miles? When you spend less time driving your car and more time using mass transit, then you can definitely cut back on your mileage.

Leave Your Car at Home

If your classes are just a walk away from where you’re staying, I’d strongly suggest to just leave your car at home. Not only will you get the much-needed exercise to give you an energy boost, but you’re also saving a lot of money when you don’t use your car.

Sure it might seem cool to be cruising down on the school grounds in your Chevy but it’s even better to cut costs and save more money for your student life essentials like ramen and coffee (insert a fat sarcasm here).

Key Takeaway

Keep in mind that there are a lot of ways you can save money on your car insurance!
  1. Maintaining good grades will definitely pave a way for you to get Good Student Discounts.
  2. Get a Black Box Insurance and give your parents peace of mind every time you’re on the road.
  3. As much as we’d love to be completely dependent on our parents, staying on their insurance policy can definitely help you save money.
  4. Cut back on your mileage. Drive less, pay less.
  5. If you can, choose to stay at a place closer to your university so you can walk and leave your car at home.
You don’t have to travel far and wide just to get car insurance answers, you can definitely do It online!