Getting Student Car Insurance Quotes

Student car insurance quotes are usually high because teens and young drivers are considered high-risk by car insurance companies. Ask for student car insurance discounts and always comparison shop online before you buy an insurance policy for a student. Enter your ZIP code below to get your free student car insurance quote online.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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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.

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Here's what you need to know...

  • Younger people usually pay more than older people
  • Safe and legal driving will help you establish a good driving record and will help your rates to go down
  • Comparing car insurance quotes is another good way to get the lowest price possible

Companies providing auto insurance services consider a number of factors when determining their rates. A person’s age can be one of the deciding factors. Unfortunately, the lower the person’s age, the higher the premium rate.

Enter your ZIP code into the above comparison tool to find quotes now!

Students below the age of twenty-five years can be subjected to high insurance premiums. This comes about because many insurance companies consider drivers belonging to this age bracket as reckless and at a higher risk of getting involved in accidents.

How are rates determined?


Parents or students seeking student auto insurance can be forced to pay relatively higher rates. This amount can be significantly higher depending on the cover requested. This applies especially to people seeking to have comprehensive insurance cover.

Insurance companies can reduce rates for students who they consider as responsible.For example, students who have satisfactory grade point averages can get significant discounts when applying for these services.

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

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How to Keep Rates Low

Parents should induce responsibility in their children to avoid higher rates. They can ask them to share the cost of their car insurance. In the long run, reckless students will feel the pain associated with paying higher premiums.

Parents should also make sure that their children obey traffic rules to avoid legal problems. They should also tell that reckless driving will not only put their lives in danger but will see them paying higher insurance every year.

Students should also carefully scrutinize the terms or conditions that come with subscribing to an auto insurance policy. This will enable then unearth any hidden costs.

Comparing Quotes Can Help


People who want to get fantastic deals should compare car insurance quotes. People can get insurance quotes by visiting different insurance agencies so as to make comparisons of the rates.

They can then obtain contact details of insurance companies, and contact them individually to compare quotes. This process can be long and tedious. However, with the advent of the internet, people can do the following:

  • compare
  • select
  • manage insurance quotes

Comparing quotes online can be the most promising way of getting exemplary student auto insurance. People should do an in-depth comparison of the available student car insurance policies before making a decision.

Good comparisons come with adequate research. This should not only cover insurance providers, but also the insurance packages offered. Requesting for quotes and analyzing the conditions or terms should be a necessary first step to securing super deals.

People can visit insurance comparison sites to help them compare quotes. Those who seek quotes using this avenue should type a search keyword and choose from the various listings indicated.

Most of these sites will request people’s demographic information and a personal profile before issuing them with quotes from leading sites.

People can also decide to compare car insurance quotes themselves. This can be advantageous because they will get accurate results and get to know of any offers promoted.

People, however, have to do a lot of work by visiting all websites and filling in their information. They can then do detailed, unbiased comparison by analyzing the following variables:

Profile of The Insurance Company

People should look out for accredited insurance policy carriers. A host of service providers can be found online. Many of them are good, but crummy ones also plague the industry.

These companies should not only aim to make higher profits, but they should have the interest of its clients at heart.

Identifying desirable qualities can prevent people from falling victim to fraud. People can know how reliable an insurance company can be by reading through reviews. They can also go through comments made by people who use or have used their services.

Cost of Insurance Policy

People should consider companies that offer cheap car insurance policy. To make a better judgment, they should be able to calculate the amount of money they will spend on auto insurance.

This will help prevent unnecessary strain to their finances. It is crucial to opt for cost-effective insurance that will enable them to maintain their financial stability.

Terms and Conditions


Students should go for affordable auto insurance that provides substantial benefits with minimal investment. Therefore, they should go through terms thoroughly so as to identify any hidden charges. They should also check whether the company offers discounts and if so, how much.

This kind of analysis should be done independently of the premium cost. This means that companies offering low premiums may not necessarily be the best option.

The drop in cost may come with many additional hidden charges. This can also help them ascertain whether the company covers everything they need.

Any Additional Advantage

Insurance can come with additional advantages that people can explore. It is a common phenomenon especially with companies offering insurance policies for students.

People should, therefore, take advantage of any benefits or extra advantages accompanying the student insurance. This can be an appropriate aspect to look out for when comparing student insurance policy providers.

For example, companies that offer flexible premiums can be advantageous. People can make flexible monthly payments that they can settle easily. Simple inclusions such as this one can add value to student insurance quotes thus making them beneficial to everybody.

In conclusion, parents or, students who have carried out detailed comparisons should subscribe to companies that offer student insurance policies that can:

  • Compensate them when their cars get stolen
  • Cover all their medical bills whenever they get involved in accidents
  • Offer protection to their cars
  • Repair or pay for all the damages incurred when they get accidents

Finally, the car insurance should fully compensate them if their cars get vandalized or if they become nonfunctional as a result of natural events.

Be sure to compare car insurance quotes instantly by entering your ZIP code into the FREE comparison tool below!

Free Car Insurance Comparison

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

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