Insurance Curator 
As a student, you’re probably always on the lookout for ways to save money. And one area where you can potentially save big is on auto insurance. But how do you go about getting discounts on your policy? In this article, we’ll explore some tips and tricks for getting the best deals on car insurance as a student.
1. Good Student Discounts
One of the easiest ways to get a discount on your auto insurance is by maintaining good grades. Many insurance companies offer discounts to students who have a GPA of 3.0 or higher. This is because they believe that responsible students are also responsible drivers. So, if you’re hitting the books and keeping your grades up, make sure to let your insurance company know. You could save up to 25% on your premium!
For example, my friend Sarah was able to save $200 on her six-month premium just by sending in her report card. She was thrilled to have some extra cash in her pocket, and it was a great incentive for her to keep her grades up.
2. Safe Driving Discounts
Another way to get a discount on your auto insurance is by being a safe driver. Many insurance companies offer discounts to drivers who have a clean driving record. This means no accidents, no speeding tickets, and no other moving violations. If you can show that you’re a safe driver, you could save up to 20% on your premium.
Take my friend John, for example. He’s been driving for three years and has never had an accident or a ticket. When he called his insurance company to ask about discounts, they were happy to give him a safe driver discount. He was able to save $150 on his six-month premium.
3. Defensive Driving Courses
If you want to take your safe driving skills to the next level, consider taking a defensive driving course. Many insurance companies offer discounts to drivers who complete an approved course. These courses teach you how to anticipate and react to potential hazards on the road, which can help you avoid accidents.
I took a defensive driving course last year and was able to save $100 on my six-month premium. Not only did I save money, but I also learned some valuable skills that have made me a better driver.
4. Bundling Discounts
If you have more than one type of insurance, consider bundling them together with the same company. Many insurance companies offer discounts to customers who have multiple policies with them. This could include auto insurance, renters insurance, and even life insurance.
My roommate, Emily, was able to save $300 on her annual premium by bundling her auto and renters insurance together. She was thrilled with the savings and the convenience of having all her policies in one place.
5. Shopping Around
Finally, don’t be afraid to shop around for the best deal on auto insurance. Prices can vary widely from one company to another, so it’s important to get quotes from multiple companies before making a decision.
When I was shopping for auto insurance, I got quotes from three different companies. The first two were pretty similar, but the third one was significantly cheaper. I ended up saving $400 on my annual premium by going with the third company.
In conclusion, there are several ways that students can get discounts on auto insurance. By maintaining good grades, being a safe driver, taking defensive driving courses, bundling policies, and shopping around, you can potentially save hundreds of dollars on your premium. So don’t just accept the first quote you get – do your research and take advantage of the discounts available to you as a student. With a little effort, you can keep more money in your pocket while still staying protected on the road.
