If you are a high school student, then you know you are paying very expensive car insurance rates. Premiums are based on risk. The insurers will analyze a series of factors and will determine how likely is for you to be involved in a car crash and file a claim. Statistics show that high school students are more likely to be involved in a car accident. It doesn’t matter if the student is a great driver that obeys all the traffic laws, their inexperience will make them a target for other bad drivers. The increased risk of being involved in a car accident and inexperience will make the high school students car insurance rates to be very high.
If you want to pay cheaper car insurance rates, follow the next tips:
- Driving apps. Many car insurance companies can provide a driving app for high school students. The driving app will track your driving behaviors like speed, how hard you brake, how quickly you accelerate, what time of day you drive the most, and other behaviors. The insurance company will gather this information and use it to determine your risk. If you have good driving behaviors, then you will pay less on your premiums.
- Discounts. As a high school student, you can take advantage of several discounts. If you stay on your family’s policy, then you can benefit from the multi-car discount. If you have good grades and you manage to maintain a B average, then you will get a good student discount. Another valuable discount is the driver’s education discount. Graduating a driver’s education course will earn you a large discount on your premiums.
- Selecting the right vehicle. The vehicle you are driving is one of the most important factors that determine your insurance rates. You will pay more on your insurance if you get a sports car, limousine, muscle car or other premium vehicles. Also, if your car is expensive, then your insurance rates are also expensive. As a student, the best car for you is a four doors sedan that comes equipped with several safety features.
- Stay on your parent’s policy. You can save money on car insurance as a high school student if you remain on your parent’s policy. Most insurers will let you stay on your parent’s policy as long as you live with them. You can take advantage of their good driving history and keep the overall premiums lower.
- Shop around. You can use the internet to get multiple quotes from various insurance companies. If your parents stayed with the same insurer for many years, then the chances to find a better insurance deal are quite low. However, shopping around is still a good idea, because you never know what insurer might offer you a better deal.
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