The four (or more) years as a college student can test every bit of patience you have. You are juggling term papers, studying, socializing, and probably a job, too.
The four (or more) years as a college student can test every bit of patience you have. You are juggling term papers, studying, socializing, and probably a job, too. Having a car to commute to class, work, and still the occasional party is even more important than it was when you were flush with excitement with your new your license in high school. Finding reliable transportation is difficult on a tight budget, even more when you figure in the cost of high-risk insurance.
1. Insurance is mandatory, but it has to be affordable.
While looking for a car, you need to remember to figure in the cost of car insurance. You are far better off searching for a car you can pay cash for and then only have to get the minimum required liability coverage just to get you started with building insurance history. This will give you an opportunity to get cheap auto insurance quotes.
If you must get a car with a loan, the loan company will require full coverage. This means you must have Collision and Comprehensive protection for your car. Your insurance will be higher with Collision and Comprehensive than it would be for a basic liability policy, so keep that in mind when considering cost.
2. If you have to get a newer car with a loan, avoid vehicles that are commonly stolen.
Buying a non-descript four-door sedan will net you cheap auto insurance quotes as compared to a car popular with auto theft rings. Keep this in mind as you are on the hunt for the right car. Do your research because it will help your budget by choosing the right car for cheap auto insurance quotes.
3. Keep your grades up.
Easier said than done, but if you can maintain a 3.0 GPA or above, you will see a pretty nice discount on your insurance. Some insurance companies provide a bigger percentage discount than others, so shop for cheap auto insurance quotes.
4. If you are moving off campus aim for a low-risk area.
Your insurance is partially rated on where you live. If you are planning to move off campus, focus on areas that have a lower crime rate. Your cheap auto insurance quotes will be your result.
These few tips will assist you in finding the best car and cheap auto insurance quotes as a college student. Your expenses will make things a little tight but having a reliable form of transportation as a college student will be your greatest advantage.