31
May
One of the many expenses that comes with attending college is car insurance. Even if you're not driving your car to campus, you still need to have coverage in case you're hit by an uninsured driver. The good news is that there are a lot of ways to save money on car insurance, especially if you're a student. Here are some tips for getting the best deal on auto coverage.
Should college students have their own car insurance?
Whether you're a freshman starting college out of high school or a returning adult, one question always pops up: Should you get your own car insurance? The answer isn't always so clear, but here are a few things to consider.
One thing to think about is whether you'll be driving your parental car or having one of your own. If you're using your parents' vehicle, chances are they have car insurance and you might be covered under their policy. But if you have your own set of wheels, it's important to have Car Insurance Coverage in case of an accident. Your school might also require proof of car insurance before registering for classes, so it's best to check with them beforehand.
Do you own a car?
If you own a car, then you need car insurance. It's the law in most states. But even if it's not required by law, you should still have car insurance. It's the responsible thing to do. Car insurance can protect you financially in the event of an accident. It can also help protect your credit rating. So if you don't already have car insurance, now is the time to get it. Talk to an agent today and find out how much your premium would be. You may be surprised at how affordable it can be.
What’s your address?
Think you know everything about car insurance? Here’s a quiz for you: what is the primary use of your car insurance policy? Most people would say it’s to protect them in case they get into an accident. But that’s not actually correct! The primary use of car insurance is to protect other drivers and pedestrians in case you cause an accident. So next time you’re considering dropping comprehensive or collision coverage, think twice – you could be putting other people at risk.
Can you rideshare everywhere, instead of driving?
Can you imagine never having to drive your car again? You could take a rideshare from Point A to Point B, and never have to worry about parking, traffic, or finding the right route. Sounds pretty great, right? Turns out, there are a lot of places where you can now do just that.
A lot has changed in the last few years when it comes to transportation. One of the most notable changes is the rise of ride-sharing services like Uber and Lyft. These apps allow users to hail a ride from their smartphone with just a couple of clicks, making it easy for them to get where they need to go. And while these apps used to be mostly confined to larger cities.
Pros of rideshare
Ride costs: If you’re riding to local spots, short trips might be pretty inexpensive. Many ridesharing services offer estimates on their websites, if you know your destination ahead of time.
No car hassles: If you’re going to use a rideshare app whenever you need to travel, you don’t need to bring a car to campus. This means saving money on gas, maintenance, and school or city parking passes. You also don’t need to worry about finding a parking spot or giving people lifts.
Cons of rideshare
Ride costs: On the flip side, if you’re using Uber or Lyft late at night or on weekends, you could see surcharges in your rate.
Unpredictable service: Your experience using ridesharing services could vary based on the location of your college. Getting a rideshare in a rural or smaller town might be more difficult than in a major city. With some cities banning ridesharing services to and from the airport—or in some cities altogether—you can’t guarantee ridesharing will always be available to you.
Call on (888) 666-1005 & choose the best car insurance for college students now!