Get Cheap California Student Car Insurance Rates
Are you a starving college student? I understand, and so do many California car insurance companies. Students pay more for car insurance, and so they do what they can to attract these students by offering car insurance discounts to them that will allow them to pay less for their car insurance policy. The catch is that while they may pay less than they would normally pay as drivers under the age of twenty five, they’re often still paying far more than older drivers with similar discounts. This is something you just have to get used to, but the more discounts you take advantage of, the further you close the gap.
A couple of discounts you should consider while in college:
- Good student discount: allows up to a 15% discount from most companies if you have a 3.5 grade point average or above, as well as a B average or above
- Low mileage discount: offers a discount of up to 10% from most companies if you have under forty miles a day or under five thousand a year. You can get this by taking advantage of public transportation or carpooling with friends
There’s another discount that you will have available to you while you lose that first discount, but still haven’t quite recovered from the starving student lifestyle. That’s right, a discount once you’ve finished college. Sentry Insurance will give you a discount if you’ve graduated from college up until the age of thirty. However, 21st Century takes the cake by offering the best car insurance discount for former students. It’s for graduates who have a bachelor’s degree in one of the following fields:
- Physics
- Mathematics
- Aerospace engineering
- Electrical engineering
- Chemistry
- Structural engineering
- Astronomy
- Chemical engineering
- Cybernetics
- Geophysics
- Nuclear engineering
- Planetary systems
- Petroleum engineering
- Meteorology
- Geology
- Civil engineering
- Biochemistry
- Aeronautical engineering
The car insurance discount can be from ten percent to thirty percent if you have any of the above degrees.
Cheap Student California Car Insurance Rates
Reader question:
I’m a student at UCLA. How do I get the best California car insurance rate?
Gabriela
That is a great question, Gabriela.
Students like us are broke, busy, and braindead from studying half the time, so it certainly helps to know what we can do to lift some of the burden of heavy California car insurance rates. Your California car insurance rate doesn’t have to be high, though. All the same, people take it for a given that just because they are under the age of twenty five, they should resign themselves to paying $200 monthly premiums. Not so. I cut my rates by more than fifty percent in the last year alone, and I’m nowhere near my twenty five year mark. First, I suggest that you skim through some of the other posts on this site and look at the ways to save. Then, I want to introduce you to some other ways for the study burned student to save money on their California car insurance rate.
There are three main ways that you can save money on your California car insurance rate while you’re a student, and one is by sticking to your study plan, another is by sticking with your ‘rents, and the third is by sticking to your bus ticket. None of them sounds particularly fun, but none of it hurts as much as a high California car insurance rate quote, either, so if I were you I would thank my lucky stars that I got a chance to save so much on my California car insurance rate.
Now I’m going to break it down. You may not be able to do all of the suggested things, depending on what part of California car insurance rate is coming from, but you can pick and choose. First:
- Sticking to your study plan.
You shouldn’t need more encouragement to do this, but if you’re in the mood to let your studies slide and just slip through the UCLA books with a C average, think again if you want to save money on your California car insurance rate. That’s right, being a good student can get you as much as a fifteen percent discount from many California car insurance companies.
The requirement tends to be that you have either a B average or a 3.5 grade point average, and you can prove it. If you don’t have this great California car insurance rate discount, ask your insurance company ASAP.
- Sticking with your ‘rents.
Personally, I am not on my parents car insurance policy. The difference, though, between me and a lot of college students is that I’m married. If you’re an unmarried college student, you can save money on your California car insurance rate by staying on your parents policy. Your parents, probably, have better driving history and lower risk for you, so being on the same policy with them will still be costly, but will make you less risky.
You can even get on a car insurance policy with your roomate for a smaller discount. So long as you don’t go it alone.
- Sticking with your bus ticket.
Most people don’t want to ride the bus if they can avoid it, but for some it’s a great way that they can save money on their California car insurance rate. If you go to UCLA, then you should be able to take advantage of the bus system. If you combine this with the last suggestion, you can get a lower California car insurance rate by leaving your car at home with your parents, staying on their policy, and being covered whenever you come home on weekends and vacation. Most car insurance companies offer a lower California car insurance rate to your parents if you leave your car at home and go to school over a hundred miles away.
Another thing, if you have your own policy and have a car, is that you can get the low mileage discount by using the bus whenever you can and thus cutting your mileage. Other car insurance companies give discounts to people who use the bus.
Cheers,
Fashun Guadarrama.
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