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  • Finance >> Car Insurance >> Student Car Insurance >> Student Car Insurance

    Student Car Insurance


    Insurance, these days, is something that you simply cannot do without. And for students Student Insurance is definitely something that no person in his or her correct minds expects to have for free. The reason is pretty simple. Risk is definitely a bad commodity that no one will like to have unless compensated enough so that he remains on his previous level of utility. So, it is obvious that the insurer will charge a minimum premium rate to the customer.

    However, many a times we find that insurance companies target students because of their naivety and charge high premium rates. This could reduce the high-end wishes of travelling, considerably. Students are the ones who need to save money mostly because they have to thrive on part time jobs. And cutting down on Car Insurance costs is definitely one good way to save money.

    There are quite a few ways to save on your premium rates. The first in the list is the type of car that you own. A small car with a decent engine power definitely is more advantageous over flashy sports cars with more power when you want to cut down on your insurance costs. However, the biggest saving you can make is by shopping around and comparing different companies quotes to get cheap Student Car Insurance. With the internet walking in to our lives, you do not even have to go to the insurance offices and waste your time talking to people. Compare the various policies that the different insurance companies provide for and choose the one that best suits your needs. There is no reason why you should pay more to a certain insurer who provides the same policy as the rest of the players in the market.

    Besides these online traders, there are other web portals that cater to the needs of insurance customers and give discounts and incentives to student drivers to go in and buy insurance from them. In fact, for Student Car Insurances, third party is the best to choose from as you end up saving a lot more.

    Based on premium rates, insurance companies are of two types. One gives complete coverage but the premium rate is enormously high. In case of partial loss offset policies, the premium rate is low but the insurer pays just the amount corresponding to the premium rate, in case of a loss. For students, comprehensive coverage becomes a little too expensive. But in case it is needed, a through market survey should definitely be conducted.

    Installing a security check devices like steering and wheel locks can reduce the cost of Student Car Insurance substantially. Having the windows etched with the registration number or garaging your car in a safe place are other ways to cut down on premium rates. Besides these, try going for an advanced driving course as young drivers are often penalized as they have a lot lesser experience.

    Finally, before choosing a policy and signing for it, note the clauses and their implications as they might make a huge difference if a claim is made.