The Best Car Insurance You Can Get As a Student

0
28

The Best Car Insurance You Can Get As a Student.

Basically as a student, you have a lot of financial challenges ahead of you which ranges from tuition fee, feeding, rent and transportation cost, therefore even buying car is not easy as a student and now considering paying for car insurances amidst all these cost won’t be something so simple, but paying for insurances for your car is a very important thing to do, and trying to settle for the best car insurance is recommended. Most student tends to continue with there parents insurance even when is not very suitable for them. But as a student you should know that going for a very good vehicle insurance can save you alot of cash and reduce the effect of car on your budget a bit. Because basically car insurance always drain students as most of them are so inexperience with driving and inexperience drivers tends to pay higher sum of tax compare to the very experience drivers.Below are the very important ways that can help you get the cheapest and most reasonable car insurance that will not be too expensive for you as a student. 


Mainly student who have more chances of having accident or more higher risk of driving recklessly have a higher insurance to pay. And paying a very high sum of money on insurance is very bad especially to your existing budget as a student, therefore you need to look for a way to get the best car insurance that is very cheap and affordable for you as a university student and with these you need understand and know the various ways that are available for you to lower the cost of your car insurance.


It should also be noted that one of the best way in which you can reduce the cost of your insurance is by first reducing the risk level that is attached to your driving as a student because the more your risk level, the more your Insurance cost. Because when you are able to show to the insurer that you are such a good driver, the less your insurance cost.


1. Accept a more higher excess.The car insurance excess for student referes to the total amount of money you are willing to pay as a student who is responsible for the car accident. Basically when a car is involve in a crash which happens to be the fault of the student, then you should be be willing to make payment of some certain percent as an individual so that the insurance company can pay up the rest of the bills. The more the excess you are willing to pay in a case of an accident the more money that will be cut off of your premium, because you are insinuating that you have lower chances of having an accident and is the more reason you have the confidence to pledge higher excess in case of accident.


2. Request for discount There are usually various calls to come and insure your car by various insurance company and this is one of the best period that you can make a request on discount so as to have more cut out of your premium.There are discount such as the Multi-policy discount which is available for those who have more than one car that they wanna insure, and this gives you access to a discount of insuring all your cars under one policy at a cheaper rate.And we have the no claim discount that you get when you do not make complains over a long period of time


3. Build up a no claim bonus.For those who have been very fortunate not to have had any accident case over a long period that you have register up your car, then you would have built up your no claim bonus, which when saved for about 6 years will give you access to about 60% discount which last until the day you ever have the need to claim for something. This is a very good discount which is not always available for students because most students do not actually drive for that long but it is how ever very good for future purposes.


4. Park in a safe place to Increase your car safety.You should consider always making use of garage to park your car and stay away from doing parkings on the road. Because parking on the road increase the risk  on the vehicle, but packing off the road or in the garage makes the car more secure and this will gives you more discount in your premium. And for what ever equipment you purchase for the use of protecting your car, always allow the insurer to know all this as they will allow you access to discount.


5.Take a Pass Plus Test.A pass plus test is the opportunity that is given to driver to test there driving skills and confident as well on the road, because this confident  will give the assurance on how well they can drive and this  also will determine there risk level. When you do well on the test, it may allow you have access to 30% decrease on your premium.These scheme do not hace a fix money, but what ever the amount of money you pay to run the test, it will be very worth it because you will have a good discount later on.

And also learn and read on the basic mistakes that some student do make as regards to the insurance policies that are available. Making false claims or lies on your applications  will not do you any form of good, and always try to review and opt for the best policies each year and finally what ever your car insurance is worth, is what you should pay. And for all the various ways that have been discuss to get the best reduction in your insurances should be well followed and work on.


References

1. Cheap Car Insurance For Student https://www.savethestudent.org/save-money/travel/cheapest-student-car-insurance.html
2. The Cheapest Car Insurance For College Student https://thecollegeinvestor.com/22103/car-insurance-college-students

Image Credit: justinsurancetips.com