A car to a college student is like the pirate treasure. You have a car at the University, is a luxury that not many students have.
Most students riding your bike or walk to class, but if you are one of the few that gets to drive to the campus and make long trips over the weekend, then you will have to be prepared for the responsibility of owning a car. and that means you should meet with the student car insurance.
Addition of tuition and books, student car insurance is one of the higher expenses paid to a student at the Universidad.Pero if you're careful how to choose your safe auto, student you will be able to work payments on your student budget and still manage to save money on your savings account.
Student car insurance basics
Search car insurance for students can be difficult since most young drivers often have higher premium payments to make.It has nothing to do with you personally, but young drivers only tend to claim more secure than older, drivers for which the insurance companies charge more so it can make more money.
There are also other factors that may affect the amount that a student will pay for student car insurance, such as:
GéneroRegistro conducciónUbicación vehículoDistancia driven daily damage history vehicle age
These factors cannot be avoided when you are applying for student auto insurance, but there are many ways that can reduce prima.Basta payments to take appropriate measures to choose his secure student.
The choice of the student car insurance tips
You can not avoid being young and University, but there are steps you can take to reduce your estudiante.Y car insurance payments while you want to find an insurance company that offers insurance car specifically for students, not all of them, so if you can't get the car safe student, then follow these tips to get cheaper car insurance plan:
Buy options
Find out as much information as possible for at least 3 different companies seguros.Comparar their quotes premium and see who has the best benefits for your money.
Learn the basics of the plan
Knowing the basics of a student auto insurance plan is very important to choose the appropriate type of plan to their necesidades.No all car insurances for students is the same, but the parts that make up the plan generally covers the same areas.
Here are the six basic parts of a student auto insurance plan:
(1) Bodily injury - covers you for bodily injury which may have caused to another person.
(2) Personal property - liability covers damage or prejudice could have caused to the property of another person.
(3) Collision - covers any accident with another vehicle or an object such as a parking meter or a utility pole.
(4) Integral - covers you for someone steals your car or something on it, or climate damaging his coche.Es better get these two types of student auto insurance coverage.
(5) Protection of personal injury (PIP) - covers medical expenses and lost wages of a work to the policy holder and the injured passengers.
(6) Uninsured motorist - covered you for accidents with drivers who do not have automobile insurance.Also covers for Lightning accidents.
Maintain good grades
Many insurance companies offer discounts to students who maintain a B average or higher. make sure to bring their degrees test when you apply for automobile insurance.
Apply all discounts
Even if you get a student discount, always apply to any discount offered seguros.La company most insurance companies offer you much if you purchase multiple plans together, as cars safe and secure the lessee and could even offer you a family if you sign up for the same insurance as members of his family discount.
Buy the right car
Before even you student car insurance, it is necessary to get a car that is suitable for automobile usted.Seguro often relies on the probability of safety of a car, so smaller high-speed and cars sports cars have an increased risk of damage. also are more likely to be objective by thieves, so you must buy a more practical car with good gas mileage and reliability instead of a car that costs more than your budget of every student.
On foot or by bike, drive less
Even if you have a car, this does not mean that you have to use it all días.Si you live on campus and is close to class, either walking or riding a bicycle, and save money gas.Algunas insurance companies give deduction of insurance low car mileage if you drive than a certain number of miles each year, so save your car long distance for weekends.
Increase your deductible
If you increase your deductible - the amount you pay towards a claim before it your company secure payday - you can then save 15% to 40% on your student car insurance premium.
Install Secure-anti-theft devices
If your car safety belts and airbags not ' work, you should get them fixed as soon as posible.También, if you don't have an alarm system, obtaining a safer instalada.El you're theft and accidents and then less is your car insurance company have to pay and less you will have to pay them.
A safety controller
The most important step you can take towards reducing your car safe student is a seguro.Las driver less driving violations and accidents you have more money you save with your car insurance this means that you must never drinking and driving, you should park your car in a security area or in a garage, and you should always keep the appropriate speed limit.
School should be a fun and safe experience, therefore, if you have a car and use it as part of your daily routine, are always safe to protect student car.
Trish Smith is a writer of collateral for the U of green students, student finance domain and study abroad domain, Web sites that are dedicated to providing students with useful environmental, financial, and study abroad advice.
No comments:
Post a Comment