I Need To Find Safe Driver Student Car Insurance

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Reader question:

If we overdo the safety, can I get my daughter a student car with cheap driver insurance? Is cheap student insurance even possible?

Ellis

I’d say no.

That is to say, getting cheap cheap cheap insurance rates for a person under the age of twenty five isn’t really possible unless you redefine the word cheap. I’d say cheap is about fifty dollars a month, but then it might be cheaper than that. I don’t know. It will be a few years before I get to see the cheap side of driver insurance. However, what you can do if the person you are insuring is under 25 is save a lot of money on car insurance, even if it wouldn’t necessarily be cheap by your own standards. You have to put things in different groups. If you get your kid a safe student car, cheap driver insurance can be a very possible reality, if you define cheap as…cheaper than incredibly expensive.

I’m not here to lie to you. That’s just the reality about student driver insurance. There are plenty of ways to save money though, one of which is to get your kid a good student discount if they make a B average or higher in school. Another very popular way is to make sure you have the right kind of car to insure your kid on. Then, not only are you protecting your child’s interests, but you’re saving money as well.

Here are some guidelines for buying a student car:

• Keep it safe. Things like plenty of safety features and good crash test scores make insurance agents see gold. Statistically, cars that take less damage and cause less injury are going to be involved in fewer claims. However, remember that just because government crash test results say one thing that doesn’t mean that you will pay a cheaper rate for that car. Many insurance companies go on individual experience rather than outside information.
• Keep it low key. Flashy sports cars with lots of luxury equipment are more likely to get stolen or vandalized, and also are more expensive to replace, so you’ll be paying out more.

Cheers,

Fashun Guadarrama.