lunes, 7 de agosto de 2017

How to choose the right Car Insurance for College Students

For many teens, heading off to college is an exciting time, it means living on their own, making new friends, and dealing with adult situations, one such situation is making sure your car insurance is the right option. 

It is possible to get a good car insurance plan if you're a college student. You just have to know how to look and what to look for. Far beyond simply signing up for the plan that is the cheapest, you may find and make the most out of specific discounts that you may not have even known about until now. Not only is it important to get car insurance at the right price, but it's also a good idea to find the right plan to meet your needs. 

At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we give some tips for college students to consider before choosing the right car insurance:

1. Think about how much driving you will be doing:

Whether you're going to college or commuting, you may want to increase your coverage or decrease it. If you're leaving your car parked at parents' home while you live on campus, you may be able to save them a few extra dollars. According to the Insurance Information Institute, if your college is at least 100 miles away from home, your parents may qualify for the "resident student" discount. This discount could lower your car insurance bill by as much as 30 percent per month.

On the other hand, going to college may cause you to reconsider your coverage choices. If your daily commute is going to get longer, now may be the best time to revisit your coverage limits to make sure you're well-insured in case of an accident.

Collision coverage may be a good idea if you'll be driving to and from class, for example. It may help pay to repair your car if it's damaged in an accident with another vehicle or object.

2. Check Out the Campus Security:

If you're taking your car to school, think about where it will be parked. If it's most often parked outside, for example, consider comprehensive coverage. It may help pay to replace your car if it's stolen or repair it if it's damaged by things like hail or vandalism.

It's always a good idea to research local crime statistics before taking up temporary residence. This gives you a good idea of what to expect, as well as how to prepare for life in your new surroundings. If you're going away to college and bringing your car to a location with a higher crime rate, talk to a car insurance agency about protection that covers you in the event of theft. It may also be a good time to purchase an anti-theft device for your car. Doing so may not only cut back on the likelihood of your stuff being stolen, but it might also land you a discount.

3. Good grades benefits:

Those who know about the savings offered to teenage drivers with good grades will be happy to find out that the discount doesn't stop when you graduate high school. Most insurance companies continue to offer good grade benefits to students up to age 25. If you continue to get good grades in your higher education studies, you could still see a discount on your car insurance bill.

There isn’t a one perfect car insurance recommendation for college students. Each student has his or her own individual needs, which in turn can affect the amount of coverage needed and the dollar amount of the premium.

Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we can help you choose the coverage that's right for your needs.

For more Information contact us: (706) 884-5006 or (770) 969-5666

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