Georgia Student Car Insurance Discounts
Reader question:
What kind of deal can a busy college student get on her Georgia car insurance premium?
Maggie
Great question, Maggie.
I guess it all depends on why you’re busy! Georgia car insurance companies are both very punitive towards students because of their age, and at the same time pretty kind to them. Although your initial car insurance rates might be twice as much as those of someone twenty years older than you, companies offer you a variety of breaks that allow you to purchase your car insurance premium at a more reasonable price.
A favorite break of mine is the good student discount, which is offered by most companies and allows students to get a certain amount off of their insurance premium if they make certain grades. The requirements differ depending on the state and the car insurance company, so to be certain of how you will benefit, call your agent first.
Here’s a list of companies and how they treat the good student discount.
- GEICO offers a car insurance discount to students between the ages of sixteen and twenty five. In some states, you have to be unmarried and under the age of twenty one to benefit, but they don’t offer state specific details. In order to get the discount, you have to get a B average or above. The amount of the discount can be as much as fifteen percent off of your car insurance premium. GEICO has a lot of discounts, as a matter of fact, and if you think you might be eligible for more than just the good student discount, you should consider checking out their website and/or calling an agent to see where you stand and how that would affect your rates.
- Farmer’s Insurance is a little more strict in its requirements. In order to qualify, you must be unmarried; under the age of twenty five; you must be a full time student in either high school or college; you should be in the top twenty percent of your class; you need to have a B average or higher; and, if your school has a Dean’s List or Honor Roll, you need to be on it. Tougher, but if you’re as a busy a student as you say, you’ll probably be able to make it.
- Esurance also has a deal for good students who are enrolled full time in either high school or college. For these dedicated young people, qualification for the car insurance discount requires you to be under twenty five and have a grade point average of at least 3.0. Some states have additional requirements.
I hope this information was helpful to you, Maggie. Of course, these aren’t the only three companies that offer the good student discount, but looking at their requirements does give you a good idea of what to expect even if you’re going to go with a different car insurance company.
Cheers,
Fashun Guadarrama.
How To Lower Atlanta Car Insurance Rates
I found this video on YouTube earlier today. The man in here is talking about discounts for driving less, and this is definitely a good example of a Atlanta car insurance discounts. Most companies, and I could probably say all companies without risk, offer the low mileage discount, although not all companies consider ‘low’ to be the same thing. While some Atlanta car insurance companies will require five thousand miles a year or less for you to be able to qualify for the discount, others only require that you drive fewer than forty miles each day. I know that second sort wouldn’t be hard for me to live up to, but I suppose it depends on what part of Atlanta you live in, whether you’re closer in or further out.
Still, for many people those thresholds are extremely low, and they couldn’t imagine driving so little each year, especially when they work every day. If you try hard enough, however, most people can do it, and even if you can’t get low enough for the Atlanta car insurance discount for low mileage, driving fewer miles will still lower your rates.
- Car pooling.
Probably the cheapest way to cut your driving is to carpool to work instead of driving your own car every day. If you take turns with different friends and co workers, then you can also avoid chipping in on gas, so long as everybody is contributing the same amount in regards to driving.
- MARTA.
Okay, nobody likes it, but MARTA, Atlanta’s bus system, is also an option. Even if you have to drive to a park and ride to go into town, you’ll still save a lot of gas and thus some money on your Atlanta car insurance premium. The downside is that it takes a long time, and doesn’t go everywhere you need it to go. You could end up doing a lot of walking, but hey, that’s good for your health.
- Riding your bike.
This isn’t an option for all jobs, but it is for many. If you have to wear a suit to work, for example, then you might feel a little silly pedaling down the road. It also only works if your job is close enough. If you’re a little out of shape, then this is both a good way to lose weight and save a little on your Atlanta GA car insurance.
- Become a hermit.
The absolute best way to save money on your Atlanta car insurance premium through the low mileage discount is to stop driving. Not period when necessary, but whenever you don’t need to. Limit your outings, walk more. If you need to do errands, do them all on one trip and plan out your schedule so that you spend the fewest miles.
RAISE Your deductible amount, that is the easiest way for you to save a considerable amount of money in the long term on insurance premiums.
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