Congratulations, ladies! If you are reading this, you are either already enrolled and attending classes at college, or you're taking special steps to make sure you're completely prepared when the day does come for you to say goodbye to Mom and Dad and head off to become a student of higher learning!
Congratulate yourself beyond your college enrollment – congratulate yourself for realizing now that you're a lady student, it's time to ease up on the parents a bit and start taking responsibility for yourself. An important responsibility is making sure you have adequate car insurance. Of course, aside from having the best car insurance coverage, you also want the best car insurance price, right?
So, let's take the following tips into consideration to help lady students get, and keep, cheap car insurance:
Install a safety alarm before you take off. Maybe your dad can do this for you, your uncle who owns an auto repair shop, or maybe you'd rather do it yourself.
Park your car in a well-lit area. If you're living in a dormitory, well-lit parking isn't always available, depending on the size of the parking lot and the lights provided. In any event, try to park where there is the most light. Your new car alarm system should pick up the slack.
Always remember to lock your doors before leaving your car. College keeps you busy, there's no doubt about it. It also aids you in becoming forgetful. Don't get so busy and stressed that you forget to protect your belongings – especially belongings as expensive and important as your car!
Never leave valuable items in your car. Cell phones, iPods, mp3 players, the covers of your CD player – never leave them in your car, even if you do keep it locked. This also includes any loose money and jewelry, your school books (those things are expensive, you know), and luggage from your trip home last weekend.
Cheap Car Insurance For Students
My college days were laced with phone calls from the motor vehicle department reminding me of my many speeding tickets and moving violations. Although they never revoked my license I don’t think a driving record can get much worse without losing your license altogether. A driving record like that along with being younger than 25 years of age and you are looking at some very expensive insurance rates. At one time I had fifteen tickets on my record. Cheap car insurance was not the question. Getting at all was the issue. Many companies would not even insure me. Those that did would not touch me for less than $600 per month. To make a long story short I did end up with insurance that was affordable. Even with tickets from my state and 3 surrounding states.
What to watch out for
Before running out and getting quotes from all over the internet there are some things to know. I was able to find insurance for about $136 per month while having that driving record. I also forgot to say that I had one accident claim on record also. I was able to find very affordable insurance. The difference is the coverage. I did have to give some things up. Many companies are very different in what they offer. It could range from free vehicle towing to very high deductibles. Be sure to compare not only the quoted rate but the coverage also. And remember, in three years most states will clear your driving record and when you hit the age of 25 your rates improve dramatically.
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Both Elizabeth Newberry & Greg Haehl are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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