Wednesday, 13 February 2013

How Can Students Land Good Insurance Deals

It is common for insurance companies to charge higher premiums from students and teenagers. The reason for this is that young people are prone to rash driving which can result in more accidents. So, they are seen as a high risk group and naturally, insurance companies would prefer to charge higher from them.

So, as a student and a young person, it can be quite challenging and difficult to find cheap car insurance quotes. However, there are still ways you can get an affordable one if you really know what you are doing and how to approach it. First of all, there are many factors besides age which come into consideration. This is a big advantage for you. Since your young age is working against you in getting an affordable rate, you can use the other factors to your advantage.

First and foremost is your driving record. You can really impress the insurance companies when you approach them for auto insurance quotes by showing them your clean driving record. If you are knowledgeable about the traffic laws and abide by them, and if you were not involved in accidents in the past, then you can get a better deal than most other people who are of similar age as you are.

Among your past driving record, the most important part is the previous 3 years. If you were not involved in any major accidents or traffic violations in the last 3 years, this can work immensely to your advantage. Secondly, the number of miles you drive is also an important factor. If you drive a lot - like more than 40 miles per day, then the rate you need to pay can be higher because the more time you spend on the road the more chances of the car getting involved in an accident.

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