Everyone who owns a car or vehicle is required to get auto insurance – from farmers, teachers, and even students. Students, however, may find it more difficult to look for quality insurance with affordable car insurance rates, especially high school students. Companies are have become wary of giving insurance to students because of the fact that students aged 16-19 years old are those who are mostly involved in reckless driving. This is the reason why this specific age group (16-19 y.o.) has the highest insurance rates compared to the other age groups. If you are the typical student aged 21 and below who works part time to pay for your own insurance, then it would be wise to follow these tips for quality and cheap car insurance.

If you have completed Advance Driver Training or have attended Defensive Driving classes, you may be given a 20% discount. This will give the company the idea that you, the young driver, will be less reckless on the road. If you haven’t taken these courses, you might want to think of doing so. It would be a good refresher of what you’ve learned in Driver’s Ed., and remember – the discounts!

Moreover, if you have high grades, you can also be given discounts called the “Good Student Discount.” The grade requirements depend on the company, but the general requirement is for your GPA to be at the top 20 percent of the class, or a GPA of at least 3.0. Some companies add discounts to students with other exemplary achievements. Generally, the higher the grades, the higher the cut on discounts. If you are such a student, congratulate yourself! You may wonder why this is the case. The reason is that students with high grades are seen as more responsible and less likely to commit any road violations or be involved in reckless driving.

If you live near your school, or use your car only occasionally, then you could avail of “Low Mileage Discounts.” Again, the simple is reason. If you only have to drive short distances, you would be less likely to be involved in traffic accidents. There would also be less chances of you committing any road violations. Moreover, if you are single and happen to live with your parents, you are another recipient of discounts, believe it or not.

Don’t forget to ask advice on auto insurance discounts from older people, most especially your parents. If anything, they have had more experience. Being in the same insurance policy as your parents could also slash both yours’ and your parents’ expenses.

And of course, there are safety gear discounts. Whether you are buying a brand new car or a second hand one, ask the seller what specific safety gear, and how many, are installed in the car. Generally, cars have 5 to 9 safety mechanisms. Every safety gear can earn you discounts as well.

Last but not least, always remember: a clean driving record speaks for itself. It would earn you a good reputation and good discounts as well.

Young student drivers could find the best and affordable car insurance at AutoQuoteNow.com. Even if you are a teen you can still get discount car insurance. Come and avail of cheap auto insurance policies here.

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