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How to Qualify for Student Auto Insurance Discounts

Student auto insurance is a dreaded moment for both parents and students alike. Some parents are nice enough to pay their child’s auto insurance premium while others are not so willing and the student has to pay. Therefore, for those under the age of 25 and/or their parents, purchasing student auto insurance is a nightmare. If a sports car is purchased for the student then the auto insurance rate is going to be among the highest out there and could cost over $10,000 a year.

One thing that is very important to understand is that many students will opt to not purchase auto insurance in order to avoid having to deal with the high cost of car insurance; however, this is not the way you should go. It is illegal to drive without insurance. If you were to drive without having your vehicle insured, you could have your license revoked and go to jail.

The good thing about students is that there are a number of student auto insurance discounts. Below, we will glance at some of the discounts and how to qualify for student auto insurance discounts.

  • Young student drivers under the age of 25, whether on their parents’ policy or a separate one of their own, can qualify for a student auto insurance discount if they can maintain at least a B average in school or 3.0 GPA if enrolled full-time in college.
  • Many insurance companies will also give a discount to students under the age of 21 that take and pass a driver training or safety course.
  • Students under the age of 25 that are listed as a dependent on their parents’ auto insurance policy may qualify for a discount if they go to school at least 100 miles away. Some insurance companies call this the Student Away at School discount.

If you believe that you, as a student, or if you believe your child, who is a student, qualifies for any of the above listed discounts then you want to contact your auto insurance company immediately. Your insurance company may actually have a number of other student auto insurance discounts that you can see if you qualify for.

Remember that if a student does qualify for any student discounts, proof will be required prior to the discount being given on your insurance premium. You will need to bring in a report card or an official letter from the school to show proof of your B average of 3.0 GPA. If a driving course is taken or the student is enrolled in a college 100+ miles away then proof will be required for these as well.

Contact your auto insurance carrier today and see how to qualify for student auto insurance discounts and what discounts are available.