Auto insurance is one of the biggest expenses students face, right up there with tuition and books. In fact, students can pay anywhere from $2,000 to $10,000 a year for auto insurance, depending on such factors as their ...

 

* Gender

* Driving record

* Garage location

Fortunately, students can get cheap auto insurance. How? Read on to find out!

Be a Girl

Okay, you don’t have much control over this, but it's a fact that insurance costs less for women under age 25 than for men under age 25. Men are statistically more prone to having accidents and therefore their insurance rates are higher.

Live Clean and Drive Safely

Do not drink or take drugs and then drive. A DWI or DUI will drive your insurance premium up dramatically, and keep your rate high for years to come. Also, keep your driving record clean by obeying speed limits and other driving laws.

Keep Up Your Grades

Most insurance companies offer discounts to students who maintain a B average or better. You'll need to show your insurance agent proof of your grades to get this discount.

Buy a Sensible Car

Your dream car may be a Mustang, a Firebird, or a Camaro, but you'll pay a lot more for your insurance with these types of "muscle" cars. Opt for a car that's less expensive to repair and is less tempting for thieves. Also avoid cars with high horsepower, as insurance rates are higher on these cars.

Walk or Bicycle at School

If you can manage without a car while you're at college, leave your car at home. You can adjust your policy so you'll still be covered when you're at home for vacations.

Increase Your Deductible

By increasing your deductible - the amount you pay toward a claim before your insurance company pays - you can save up to 40% on your car insurance premium.

Shop Around

Make sure you're getting the best price on car insurance by doing some comparison shopping. Go to an insurance comparison website and enter your vehicle, driver, and insurance information. You'll then receive auto insurance quotes from multiple A-rated companies and you can choose the one with the cheapest rate.

The best comparison sites offer tips on how to save money on your insurance, and even have an insurance expert on call so you can get answers to your insurance questions online or by phone. (See link below.)

 

Visit http://www.lowerratequotes.com/ or click on the following link to get cheap student auto insurance quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

About the Author:

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on how to get cheap student auto insurance.