Other factors aside from grades, gender and age affect car insurance rates for college student. In fact, one of the biggest factors is if you drive your car to school every day. Driving to school every day from home tells insurance company that you at a higher risk of being involved in an accident.
Where You’re Studying
If your university is located in a rural area, chances are you’ll be able to get a lower car insurance rate. The reason behind this is because there are fewer cars in states like Wisconsin and Iowa compared to urban areas like New York. Urban areas also have obstacles including pedestrians and narrower streets making your car more prone to accidents.
The Car that You Drive
A sports car might get you all the girls on campus, but it can also cost you a high car insurance premium. Most car insurance companies have their own process of selecting the car models to have higher premiums for. If you want a lower premium, you can choose a bigger vehicle as they are usually made of high-quality materials and are easier to repair.
Sports cars have a higher chance of being stolen or getting into a road accident because it’s usually driven fast. You can also try to insure newer cars that require lower maintenance and are safer to drive.
Your Credit Score
Your credit history represents a lot more about you than your financial responsibility. It can also be used by insurance companies to predict your potential in getting involved in an accident. A higher credit score can get you lower premiums.
How Much You Use Your Car
This is a pretty straightforward way to save on car insurance rates. If you use public transportation or if you participate in carpooling, you can get lower rates for not driving too much. Not using your car too much means less exposure to risks. You can directly talk to your insurance agent if you can get a discount on your premium.
You Driving Record
This is one of the most important data that you can use to get lower rates on your car insurance. Proving that you are a good driver and that you are not in the high-risk category. If you’ve never gotten a speeding ticket, this means you can also save on your car insurance.
At Cornerstone Insurance, we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at (770) 413-0807 or Click Here to request a free quote.