Smart Auto Insurance Blog

There are many unknown auto insurance discounts that consumers should be aware of.  The article “Little-Known Auto Insurance Discounts” found on savingadvice.com highlights some of the discounts.

Being a full time student can help you get lower auto insurance quotes.  Not only can being a student help you, but if you carry good grades, usually a B or higher, that can earn you further discounts.  Some auto insurance companies offer discounts for federal employees, members of the military, or members of various groups like AAA.

Discounts are sometimes offered to those who have the VIN number on their car window.  How you pay your bills can affect your auto insurance quote and so does where you live.  Driving less and having safer cars all can warrant you discounts on your auto insurance.  These are just a few of the variables taken into consideration when quotes are determined, but you do have control over them so it’s important to understand what factors are being considered.

Below are some helpful tips for students heading off to college for the new school year, obtained from insurance.com’s press release on prnewswire.com.  College students are always looking for ways to save money and by following these tips you are sure to save.  With 18-22 year olds paying on average $1808 for auto insurance quotes, it’s important to find other ways to save money. 

If taking your car to school, be sure to purchase a parking permit.  This is usually much more convenient than dealing with the hassel of finding appropriate parking and avoiding tickets that can add up in the long run.  Choose a car that is less expensive to insure, including smaller, used cars.  Keep your driving record clean, which will have a huge effect on your auto insurance rates.  Do your best to earn a good student discount that many auto insurance companies offer.  Be sure to manage your new credit cards wisely.  As an 18 year old you are allowed to obtain credit in just your name, but it’s crucial to make payments on time and keep debt levels down because your credit rating affects your auto insurance rates as well. 

It may seem overwhelming to fully understand the world of owning a car, but by educating yourself you will no doubt save time and money over your four years at college.