University Car Insurance

University car insurance has several benefits, as students can often get discounts on their insurance. You can find cheap university car insurance online using our quote tool!

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • The most convenient way of searching for university auto insurance quotes is to do it online
  • Consider the type of insurance coverage that you are purchasing as there are several options
  • There are some major benefits of getting online university car insurance quotes

Every year, parents and students spend time searching for the best university car insurance quotes.

With our free search tool, you can get many quotes from different insurers within a very short time.

What is the cheapest car insurance for college students? Read on to learn the basics of finding cheap university car insurance online and then be sure to enter your zip code above for a free university car insurance comparison!

Why Search for Insurance Quotes Online?

 

There are several benefits of searching for university car insurance quotes online including:

  • You save time since you get instant quotes within minutes
  • You get many quotes from different insurers
  • You can get quotes at any time and from wherever you are
  • You can purchase online car insurance and can save to 10 percent off premiums
  • You do not have to call or meet the insurer face to face

Car insurance for university students can be expensive, but there are five major money-saving tips that can help reduce your premiums.

1. Consider the Type of Car Insurance Coverage

 

There are three major types of covers that students can opt for.

  • Third Party Only – protects you from claims made by other people against you in the event of an accident and covers your liability for damage to their property or injuries
  • Third Party Fire and Theft – provides the same level of cover as the third party only; however, it also covers your car against theft or fire damage
  • Comprehensive Cover – provides all the above, and includes accidental damage cover for your own vehicle and other benefits such as cover for medical expenses or personal possessions

2. Choose Your Car Carefully

The model, age, and size of your car engine will affect the rate of auto insurance premiums you will pay.

Generally, smaller and less powerful vehicles attract lower premiums while old or used cars also have lower premiums.

If you are buying a car, inquire from the insurer or your local auto body shop about cars that fall in the low-cost insurance group.

3. Check Your Mileage

Think about the amount of driving you will be doing as a student.

Insurers set your premiums based on the average mileage you are likely to cover annually.

Do not overestimate as this may push your payments up.

Also, do not to lie as this could invalidate your claims and have you paying higher premiums.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

4. Make a No Claims Discount a Priority

If you are leaving home for university and have to take your car with you, your parents may not wish to continue providing cover for you.

When you have purchased your own policy, you should aim to earn your first no-claims discount.

If you follow the Highway Code, keep within the speed limit and generally drive safely, you can avoid making claims on your policy and qualify you for lower premiums when you go to renew your policy.

5. Pay Attention to Car Security

 

Where you park your car at night could affect the cost of your university car insurance.

If you park your car in a locked garage or can keep it off the roadside at night, your insurer could reduce your premiums.

If you will be parking the car on the street, make sure it is well lit and do not leave any valuables that may attract thieves.

Taking extra steps to enhance your car security such as fitting it with car alarms, emergency brakes and airbags can also lower your insurance cost.

If your car has immobilizers and tracking devices, you can find a policy with lower premiums.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

How to Select the Best University Insurance Provider Online

What is the best insurance for college students? With many insurers in the market, it may be challenging to choose the right one. The process is, however, easy as is outlined below:

  • Find Insurers in Your Area Use our free search tool to get quotes from insurers in your region
  • Compare Quotes Shop around and compare a minimum of three quotes from competing insurers
  • Processing of Claims  Check at consumer reviews websites or your local insurance association for any complaints

The above steps will enable you to get a good insurer. Enter your zip for free car insurance rates now!

References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/best-car-insurance-college-students.aspx
  2. https://www.nrma.com.au/car-insurance/third-party-fire-theft-car-insurance
  3. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums
  4. https://www.theguardian.com/money/2015/jun/01/no-claims-discounts-drivers
  5. https://en.wikipedia.org/wiki/Immobiliser
  6. https://www.consumerreports.org/cro/car-insurance.htm

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption