Actual Yearly Savings
  • Ricky
  • $540
  • Mar 11, 2017
  • Yesebia
  • $1200
  • Mar 7, 2017
  • Walter
  • $840
  • Feb 23, 2017
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014
  • Christian
  • $1200
  • Nov 26, 2014

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One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped

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at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared

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Car Insurance for College Students

car insurance for college students

If you’re a college student needing car insurance while on campus, or a parent who needs insurance coverage for a child away at school, it’s smart to understand the costs of car insurance for college students and how to find the best deal.

The typical college student looking for car insurance may already be at a disadvantage.

A 2016 study by CarGurus.com puts the average cost of car insurance for “young adults” at approximately $2,000 – although many college-age kids way underestimated that cost.

According to the survey, 25 percent of the young adults surveyed believe car insurance will cost $250 or less per year, while another 28 percent put the cost at $500.

But there’s more than cost to consider when it comes to car insurance for college students.

To get a better handle on the topic, we asked several leading experts what steps they would take to get the best, most comprehensive and affordable car insurance policy.

Here’s what they said should be priorities in the insurance-buying process for college students.

Check your family’s car insurance policy

Check to determine eligibility for coverage under the parents’ policy because this provides the best opportunity to maximize protection at the most reasonable price.

MORE:  Why Your Teen’s Brain Isn’t Ready to Drive

“If the student has possession of a car and will be living in student housing or an apartment for the school year, they are still considered a member of the family household and can remain on the household (i.e., parents’) auto insurance policy,” says Carol Anderson, assistant vice president for underwriting at MetLife Auto & Home. “But if the student is making a permanent relocation, they would need to purchase their own auto insurance policy. This vehicle and driver would be removed from the household insurance policy, which may result in a premium reduction for the parents.”

car insurance for college studentsCar insurance for college students on a family policy

Anderson advises students and parents to notify the insurance company if the student isn’t taking a car to college.

“If the student is not taking a vehicle to school, the household auto insurance policy may be eligible for discounts,” Anderson says. “The student would still be a covered driver when using a household vehicle during school breaks and other trips home.”

Focus on car insurance discounts

A good insurance representative can assist a student in learning about insurance and determining the right amount of coverage.

“During the quote process, the student should also ask about discounts for which they might be eligible,” Anderson adds. “Many companies provide discounts for things like good grades (at least a 3.0 grade average should do the trick), safe driving and pledging not to text and drive.”

Personal car insurance for college students

Brandt Minnich, vice president of sales at Mercury Insurance in Orange County, California, advises parents and guardians of college students to “know what they need to protect” with a college-aged son or daughter.

“This means you not only have to consider your college student’s car, but also your own assets,” Minnich says. “If you are supporting the student and the car is in your name then you could be liable if the student gets into an accident, so have enough liability coverage to protect you and your assets.”

Minnich also advises considering the value of the student’s vehicle.

“If the vehicle isn’t worth at least four to five times the cost of the premium, then it probably doesn’t make sense to keep comprehensive and collision coverage,” he points out.

Find a car insurance expert

It’s always a smart idea to work with an agent. Car insurance is a pretty complicated purchase and you want to make sure you are getting the right coverage at the best possible price.

MORE: 25 Tips for Finding Cheap Car Insurance

“An agent can help you get the right coverage and explain what is and isn’t covered when it comes to your student,” Minnich says. “Based upon your needs and your budget, they can offer different solutions tailored to your college student’s situation.”

Don’t lend your car to college friends

Lending your car means you are also lending out your insurance. Caution students on letting others drive their vehicle and discourage communal use. If needed, have the keys stored in a private place.

Store car insurance documents safely

College students are infamous for their ability to forget key personal items, such as house keys, phone chargers and bank cards. That’s not good, but a worse offense is not having quick access to car insurance documentation in the event of an accident or traffic stop.

“Make sure your student stores all of the documents they need in one secure location in their vehicle and on their person,” says Elsabeth Hepworth, an insurance specialist with TrueNorth Insurance in Cedar Rapids, Iowa.“The student should be able to locate their auto identification cards and emergency phone numbers at a moment’s notice and ensure that they are all up to date.”

Before they leave, prepare an easily accessible list of phone numbers for roadside assistance and claims, so that your student has them on hand in the event of an accident or loss.

car insurance for college students

Deterring theft helps lower insurance costs

Make sure that your student understands the importance of keeping all valuables out of sight in unattended vehicles — and always remember to lock the car.

With more students toting laptops to class, it’s important to make sure that if they are not on your student’s person, they are somewhere safe.

Add students to your family insurance policy

The biggest mistake is when parents allow a child to use a vehicle, but do not add them as listed drivers on the policy, says Thomas J. Simeone, a personal injury attorney at Simeone & Miller, LLP, in Washington, D.C.

“Parents do this to avoid a premium increase, but it’s a huge risk,” he says. “That’s because if the child causes an accident, the insurance company may deny coverage.”

Moreover, in some jurisdictions the parent can be sued in addition to the child – even if the child’s driving had nothing to do with the parent – simply because the parent owns the car. If that happens and the insurance company denies coverage, the parent will also be liable and that is a bigger problem because they likely have more significant assets than a student.

Bad driving record? No car at college

If a student has a bad driving record — loaded with speeding tickets and an accident or two — the parent or guardian should re-think allowing the child to drive the car.

“The parent can be liable for negligent entrustment if the child causes injuries and the parent is found to have entrusted the car to a known bad driver,” Simeone adds. “Again, this makes the parent liable, which can be more risky than a child. And, at the very least, a parent should increase their liability coverage to the maximum allowed and consider an umbrella policy, which is affordable and offers an additional $1 million or more of liability protection.”