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Student car insurance premiums are higher than other types of insurance primarily due to the fact that students are younger than the average driver and therefore have less driving experience. If you're a student, here's how to lower your insurance premiums. Comparison Shop First, and foremost, you need to compare car insurance rates from different companies, because rates from one company to another can vary by hundreds of dollars for the same policy. The easiest way to do this is to go to an insurance comparison website. There you'll fill out a simple form with your insurance information and the amount of insurance your want in order to get quotes from different car insurance companies. At the best of these insurance comparison sites you can get additional money-saving tips, and get answers to any questions you may have, from an insurance expert through their online chat service. (See link below.) Raise Your Deductible A deductible is the amount of money you're responsible to pay on an insurance claim before your insurer will pay. The higher your deductible, the lower your insurance premium. For example, raising it from $250 to $500 can save you 15 to 30 percent on your insurance. Get Discounts Insurance companies offer a variety of car insurance discounts. Some of these include: * Safety feature discounts for having airbags and automatic seat belts. * Good driver driver discounts for having an accident-free driving record. * Low mileage discounts for driving fewer miles than the average driver. * Security feature discounts for having an auto alarm and anti-theft device. * Good student discounts for maintaining good grades. * Drivers ed discounts for taking a drivers education class. Before you purchase you car insurance you should ask your insurer about all the discounts that are available to you and include them in your policy. Doing this can save you hundreds of dollars a year in premiums. Visit http://www.LowerRateQuotes.com or click on the following link to get student car insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on student car insurance.
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