Cheap insurance - Students thought they were more likely to cause traffic accidents because they were novice drivers. According to the Centers for Disease Control and Prevention, car accidents are the leading cause of mortality among teens in the United States. Because of this increased risk, automobile insurance for college students and high school students is more costly. The good news is that by researching vehicle insurance coverage, obtaining tailored rates, and taking advantage of any available discounts, anyone can discover inexpensive car insurance for students.
College Students' Cheapest Car Insurance Companies
The concern of high expenses should not be a reason to go without coverage. There are several inexpensive auto insurance packages available that can provide you with peace of mind while you or a loved one is away at school. To make things simpler, Insurify has compiled a list of the top 10 cheapest vehicle insurance plans for college students.
State Farm is the cheapest car insurance for students.
State Farm offers a variety of insurance products, including home, life, vehicle, and renter's insurance. Because of its low prices, incentives, and comprehensive coverage, this firm is a wonderful option for college students looking for vehicle insurance.
Here are some of the State Farm discounts that help college students save money on vehicle insurance:
Steer Clear® is a driving refresher course designed for drivers under the age of 25.Drive Safe & SaveTM: State Farm's usage-based savings program.
Discount for students away at school: For drivers under the age of 25 who live away from home and solely drive an insured automobile at home,
Discount for students: If you get good grades in college, you can get a discount of up to 25%.
Students under the age of 21 who finish an authorized driver education course get a discount.
Because of programs like Steer Clear, State Farm is our #1 option for vehicle insurance for college students. In our State Farm insurance review, we go over everything you need to know about the company.
#2 Auto-Owners Insurance: The Best Student Protection
Auto-Owners Insurance offers savings to excellent students as well as optional coverage that is particularly enticing to younger drivers. The following are some of the discounts available to college students:
Good student discount: College students who maintain a B or above grade-point average might save up to 20% on vehicle insurance.
Students who attend school more than 100 miles away from home and do not have access to a car are eligible for further discounts.
Discount for teen driver monitoring: If you have a GPS system installed permanently in your vehicle, you may be eligible for additional discounts.
Along with basic coverage such as liability vehicle insurance, Auto-Owners Insurance also offers the following unique coverage choices that may be particularly beneficial to inexperienced drivers: Consider the following vehicle insurance add-ons for college students:
Someone will meet you where you are to get you rolling again if you are stuck without petrol, locked out of your vehicle, have a flat tire, or have another technical fault such as a dead battery.
Additional Expenses: Expenses may quickly mount after an accident that renders your car immobile. This may be used to cover the cost of a rental automobile as well as compensation for lost time on the road.
Personal car plus package: This is a package that includes over ten additional coverages for one low price, such as identity theft protection, lock rekeying, cell phone replacement, and more.
#3 Geico: Outstanding Customer Satisfaction
Because of its low prices, attractive discounts, and excellent satisfaction and dependability ratings, Geico is one of our top picks for vehicle insurance for college students.
Customers may choose liability limits and optional coverage like roadside assistance and rental vehicle reimbursement when it comes to plans from Geico. The following are some of the savings and supplementary insurance products that make this provider particularly appealing for college students looking for vehicle insurance:
Driver's education discount: Young drivers who have completed an authorized driver's education course are eligible for this discount.
Students between the ages of 16 and 24 may save up to 15% on their tuition if they maintain a B average or above.
Mechanical breakdown insurance (MBI): In the event of a breakdown, mechanical breakdown insurance protects specific mechanical automotive components. It can help you save hundreds of dollars on repairs. Customers reported spending $72 to $120 per year on Geico MBI via the internet.
Furthermore, Geico offers various discounts that may be beneficial to young drivers, like DriveEasy®, a usage-based safe driving discount that works via an app. It keeps track of safe driving practices to see whether students are eligible for discounts.
To learn more about coverage, see our entire Geico review.
#4.Safeco offers a wide range of student discounts.
Safeco's Teen Safety Rewards Program offers a variety of discounts for young drivers, not just adolescents, making it a good choice for college students. The following are some of the discounts:
Any full-time student with a GPA of at least 3.0 is eligible for this discount (B).
Program for driver education: To qualify for this discount, you must complete an authorized driver education course.
If you attend school more than 100 miles away from home and do not drive, you will get a reduction on your auto insurance.
Medical reimbursement coverage, accident forgiveness, and a decreasing deductible are just a few of the features that Safeco provides to its customers. These forms of coverage may help college students get a good vehicle insurance policy:
First-aid reimbursement: This gives up to $10,000 in reimbursements for first-aid provided to you or your passengers after an accident.
Good drivers won't experience a significant rise in premiums after their first at-fault claim.
Customer deductibles are reduced by $100 per day for every year a motorist stays claim-free with Safeco, up to a maximum of five years ($500).
Safeco also offers beneficial ridesharing insurance, which might save money for college students who work for companies like Uber or Lyft. Read our entire Safeco auto insurance review to learn more about coverage.
#5 AAA: College Students' Favorite Roadside Assistance
AAA is most renowned for its top-rated roadside assistance service, which might be beneficial to college students who have little driving experience. It does, however, provide affordable student vehicle insurance.
These supplementary "plan upgrades" may be bought in addition to regular coverage:
Essential: Assures that the cost of your plan will not rise as a result of minor claims (under $250 in value if at-fault, up to $750 if not at-fault).
Advantage: If you've been claim-free with AAA for five years, you'll get full claim forgiveness.
Ultimate: One claim is forgiven from the start of your insurance, and you may get a $50 credit every time you renew your policy.
The AAADrive/AAA OnBoard Discount is a usage-based safe driving discount program offered by AAA. Read our AAA insurance review to learn more about vehicle insurance for college students via AAA.
#6 Esurance: Cutting-Edge Technology for College Students
Esurance is a high-tech alternative to conventional vehicle insurance carriers, which may appeal to college students in particular. It's worth noting, though, that Esurance isn't offered in every state.
The company provides basic liability automobile insurance as well as additional benefits such as rental car reimbursement, loan or lease gap coverage, and roadside assistance.
Allstate backs Esurance, but the two companies are not the same. Esurance was founded in 1999 and acquired by Allstate in 2011. Esurance benefits financially from being backed by Allstate, which has an A+ financial stability rating from AM Best.
The following are some discounts that could help college students save money:
In a hurry, you can save 5% on your insurance by starting an online quotation.
If you have an Esurance renters policy, you can save money on Esurance vehicle insurance.
Discount for students: As a full-time student under the age of 25 with a B average, you may save up to 10%.
Defensive driving discounts: Take an authorized defensive driving course and save up to 10% on your monthly fee.
Finally, Esurance provides a variety of online services and applications that make it easy for student drivers to use, including:
Coverage counselor Based on a brief questionnaire, this online tool assists you in determining what coverage you need. Before you submit a quotation, it displays your planned alternatives.
The Esurance mobile app allows you to submit claims, manage your policy remotely, check your insurance card, and more.
The DriveSense ® app gathers data on safe driving practices in order to qualify student drivers for discounts.
Fuelcaster is an internet application that can assist drivers in locating inexpensive gas in their area. Anyone may use it since it is free.
E-Star repair facilities: Esurance recommends 1,400 E-Star repair facilities around the US. Bring your automobile to an E-Star facility for repairs, and the work will be guaranteed for as long as you own the vehicle.
In our full Esurance insurance review, you can learn more about car insurance for college students.
Allstate is ranked seventh in terms of best local service.
If you have a question regarding your insurance, Allstate stands out since it has so many local people that can assist you in person or over the phone. Although this provider is more costly than others on our list, it offers extensive coverage and significant savings, including:
Discount for smart students: This discount is available to full-time college students under the age of 25 who maintain a B-or above, complete the teenSMARTTM program, or attend school more than 100 miles away from home.
Drivewise®: Allstate's safe driving program uses the Allstate Drivewise app to track driving behaviors. The information acquired by this app will never be used against you to raise your rates; instead, it will only be used to qualify you for auto insurance discounts for college students.
Set up automatic deductions to make your vehicle insurance payments and save money with the EZ Pay plan.
Claim satisfaction guarantee: This ensures that the procedure will be quick, fair, and painless, or your money will be refunded.
Your first at-fault collision will not result in an increase in your monthly rates with Allstate.
Allstate also provides roadside assistance and a smartphone app that allows you to view your vehicle insurance policy from anywhere. To understand more, read our Allstate insurance review.
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