Lower Auto Insurance Policy for Students Washington
Reader’s Question:
I’m studying at a university here in Washington, and I want to purchase auto insurance policy. How much do they usually cost, and can I have lower premiums?
Peggie
Bellevue, WA
Well Peggie, it’s good that you are aware of the importance of insuring yourself at a young age. It ensures your insurability and credit ratings in the future. It will also keep you out of jail in case you get caught in an accident. You can get different discounts and lower your premiums by just following simple rules.
Generally, auto insurance premiums for student drivers are high. It is determined by factors such as your driving history, your age and the type of car you have. It would also add to your premium rates if you have a DUI or DWI on your driving history. Some insurance companies also have certain additional premiums depending on where you live. The monthly premium rate for students usually ranges from $300 to $1150.
Now, if you want to lower the premiums that you will be paying, you must be able to maintain excellent driving records. You can also avail of discounts depending on your grades. Some auto insurance companies actually give considerable discounts if you maintain good grades in college. You can also apply for low-mileage discount if you live near or within the campus. Another way to lower your premiums would be to buy various anti-theft devices and alarms, extra seat belts and air-bags and enrolling in driving courses.
Make sure that there are no gaps in your insurance policy as you enter the transition from being covered by your parents’ insurance policy to getting your own student auto insurance. Ask your parents about contacting a local agent there in Washington, or you can check out different auto insurance quotes for students online.