Good Insurance For College Students - If you have a college student on your car insurance policy, you know they can be expensive even if they are a good driver. Fortunately, there are often discounts for good students and students who are in school.
Good student discount. This discount usually requires a minimum B average or 3.0 GPA. You can often get this discount if the student is on the dean's or honors list, or scores in the top 20% on the SAT or other standardized tests.
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Student away school discount. To qualify for this discount, the student must generally live at a university more than 100 miles from home and do not have regular access to a vehicle on their insurance policy.
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All auto insurance companies must submit details of their insurance policies to their state insurance departments in each state in which they operate. researched insurance practices by major auto insurers to give you specific rules for getting discounts. Discount rates and availability can vary by state and affiliate, but here are the general guidelines we've found:
Allstate Insurance offers a good student discount for unmarried drivers under 25. The student must be enrolled full-time in high school, academic courses at a college or university, or an academic homeschooling program. The student also:
You must submit a certified statement from a licensed school authority confirming the student's full-time student status and fulfillment of at least one of the above school requirements.
Allstate also offers a student discount. If a person is eligible for both the good student discount and the student discount, only the student discount will be given.
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Farmers Insurance's good student discount is for single and all drivers under 25. The student must meet at least one of the following academic standards:
The Boerengoed student discount can be combined with both the young driver discount and the distance student discount.
This discount applies to any single driver under the age of 23 who is the child of the primary insured. The student may not have regular access to a vehicle covered by the Farmers Insurance policy during his absence from school. The student must live in a school more than 100 miles from the nearest garage zip code on the policy.
You cannot get a discount if there are certain losses (damages) on the policy within the last three years.
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This Liberty Mutual discount is for students under 26 who are studying full-time at a high school, college or university. The student must:
Liberty Mutual offers this discount to single, non-car drivers under the age of 26. The student must reside at a school, college or educational institution within 100 kilometers from the home address on the insurance policy. The student does not have regular access to a vehicle.
This Nationwide Insurance discount is for drivers under 25 who are full-time high school or college students (including all homeschooling equivalents). Nationwide may require documentation that the student has met any of the following conditions, either cumulatively or for the immediately preceding school term or quarter (or equivalent term):
The Nationwide Insurance good student discount is available to drivers who have completed a bachelor's degree, provided they:
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Nationwide Insurance customers can add the good student discount when a family member notifies Nationwide that a driver is available. By the way, you can add the discount.
If a driver is no longer eligible for the good student discount, it will be removed with the next policy renewal.
Nationwide Insurance offers this discount if an unmarried driver is under 25 and a student living at the school is more than 100 miles from the vehicle's storage location. The student should not be able to access any of the vehicles covered by the policy during his absence from school.
To qualify for this Progressive Insurance discount, a driver must be under the age of 23, a full-time student, and in good academic standing. The student must meet at least one of the following requirements:
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A document showing the academic status of the student may be requested and if the document is not received, the discount ends. Discount does not apply to primary policyholder or spouse.
Progressive Insurance offers this discount to drivers under the age of 23 who do not live at home and are full-time students enrolled at an educational institution where the student lives.
To qualify for this State Farm discount, a driver must be under 25, enrolled full-time in a high school, college, or university, and meet one of the following academic requirements:
The policyholder must provide school information from the immediate previous school term or a similar component, or a statement certified by a responsible officer of the school showing that the driver is a full-time student.
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State Farm's Good Student Discount for Homeschooling Students: To receive the State Farm Good Student Discount, a driver enrolled as a full-time student in an academic homeschooling program must provide proof that one of the following is in the top 20%. the following national standard tests taken in the last 12 months: PSAT (Preliminary Scholastic Aptitude Test); PLAN (Preliminary American College Test); SAT-I (Scholastic Aptitude Test-I); ACT (American College test); TAP (Achievement and Aptitude Tests); ITED (Iowa Education Development Tests); California Achievement Test, including TerraNova.
The State Farm good student discount also applies to young drivers who have earned an Associate's or Bachelor's degree and meet academic requirements. The discount ends when the driver reaches 25 years of age.
This Staatsboerderij discount is valid for the entire term of the policy and is not refundable when the student returns home temporarily, such as holidays and summer holidays. The discount expires when he or she completes driver training, has no intention of returning to school, or turns 25.
This USAA discount applies if a driver is a full-time high school, college, or university student under the age of 25 and has met any of the following requirements during the school term immediately prior to the policy or renewal effective date:
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USAA offers this discount to drivers under 30 who are full-time students living at an educational institution more than 100 miles from home without a vehicle.
In general, it is cheaper to keep a student on a parent's car insurance policy than to put it on a separate policy.
If a student is driving to school, it's a good time to review your policy to make sure you have any insurance you may need or want.
Do you have sufficient liability insurance? Drivers under the age of 25 are more likely to cause car accidents because of their inexperience on the road. Liability insurance pays for these accidents, so it's wise to have more than the minimum required by state law. Consider having at least 100/300/50 liability limits:
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Remember, liability insurance pays others for injuries and damages caused by you. It does not cover damage to your own car or your own injuries.
Do you want to get a refund for car repair when the student hits a pole, guardrail or other vehicle? If so, consider collision insurance.
Is the student driving to a city with a lot of car theft or vandalism? If so, consider comprehensive insurance.
Do you want to be covered by insurance in case of a student's tire burst or lock? If so, consider roadside assistance coverage.
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There is a lot to follow when sending a child to college. Making sure you have the right car insurance and getting a discount is a good item on your "to do" list.
Also consider the student's belongings. If the student will be staying in the dormitory, homeowners insurance will usually cover their belongings. If they're in an off-campus apartment, they'll likely need renters insurance to protect their belongings for issues like theft and fire.
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We've collected tens of thousands of auto insurance quotes from every zip code in Texas to find the lowest rates. Rates were for new drivers aged 16, 17, 18, 21, 25, 35, 45 and 55, as well as for a 16-year-old driver on a 50-year-old two-parent policy.
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Geico's low rates and lots of discounts make it what we consider to be the cheapest auto insurance company for students.
Geico also offers discounts to members of college-focused groups such as alumni associations, fraternities, and sororities. So if you're a college student on campus, you have a good chance of getting good, discounted auto insurance rates. Request a quote online by clicking above or contact an insurance agent to see if you're eligible.
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