Car Insurance For College Students in San Diego
Get College Student Auto Insurance at Affordable Prices at H&M Insurance Agency
With Herriott & Mijailovic insurance agency, getting affordable student car insurance is easy. We understand that going to college is a very exciting life point, but it can also be very stressful because many aspects of your lifestyle may change. One of the things you need to figure out is your car insurance. This is the time to think whether you want to remain on your parent’s policy or to acquire one of your own. If you are unsure of what is the best option for you, or if you need assistance with getting college student discounts– don’t worry! You have come to the right place.
(619) 296-0005
H&M agents are here to help protect you against potential risks while keeping your premium low. We offer discounts for students with good grades, distant students, multiple policyholders, and those who have been driving since high school.
H&M is a boutique-style, independent agency with 50 years of relevant experience in California market. We work with major national suppliers such as offer Midwest, Travelers, Markel, and The Hartford which allows us to shop around for the best prices. We will customize coverage according to your specific requirements and ensure you have maximum protection. Find out for yourself how H&M agency can save you money on car insurance. For a free quote, contact our agents today at (619) 296-0005.
College Student Car Insurance – What Is Covered?
There is no such thing as universal coverage that fits all college students’ needs. The exact type and amount of coverage depends on student’s place of residence, enrollment status (full-time or part-time), how often you drive, whether you are financially independent or not, and other relevant factors. In addition, insurers have different eligibility requirements for discounts, which can substantially affect the final price.
- Liability coverage is the requirement in almost every state, and it covers bodily injury and property damage expenses.
- Consider getting comprehensive coverage if you are taking the vehicle with you to college and it will be parked outside mostly. It will help cover the costs of repair in case of damage or replacement in case of theft.
- If you will be driving to and from campus, add collision coverage. It helps pay for the repair of damages caused by collision with other vehicles or objects.
- Uninsured/Underinsured motorist coverage (UM/UIM) covers you when a third party is at fault for an accident and they do not have enough insurance (or no insurance at all) to cover your expenses. To save on monthly payments, you can lower the amount of coverage. At the same time, this is the only coverage offering compensation for pain and suffering in case of uninsured or underinsured motorists causing the accident.
Why H&M Is Preferred Insurance Agency For Student Drivers
One of the most prominent advantages of working with Herriott & Mijailovic is having the option to choose different policies from multiple insurance providers. This is possible because we are an independent agency, and we will save you precious time and effort by looking for the perfect coverage instead of you.
Our priority is to provide the right insurance and rock-solid protection at affordable price. We provide car insurance for various drivers, including permit driver coverage, senior drivers, classic car insurance, etc.
The benefits of working with us are manifold:
- 50 years of industry experience
- Affordable rates, discount options, free quotes
- Specializing in all types of personal and business insurance
- Boutique-style agency with client-oriented approach
- Licensed to sell major suppliers like Progressive, First American, The Hartford, Nationwide, etc.
- Easily accessible and highly responsive agents
How Much Does Student Auto Insurance Cost?
The premium is calculated by taking into account several factors: coverages, deductibles, vehicle value, discounts, etc. The cost of car insurance for college students is usually higher than for adults, mainly because young drivers (18 and 22) tend to drive risky. To get no-obligation quote, speak to our insurance agents.
6 Ways To Get Discounts On Car Insurance For College Students
Car insurance premiums for students are expensive due to several reasons:
- inexperience behind the wheel
- higher risk of accidents
- poor decision-making tendencies
- increased likelihood of speeding
- higher rate of alcohol use
Luckily, a lot of companies offer discounts that cut down premium rates.
In fact, there are several ways to save money, and as a full-time student, you could qualify for the following discounts:
1. Good student discount
Get savings on your car insurance premium when you maintain an average “B” or better. These benefits are applicable in high school, too, and they typically don’t stop when you graduate from high school. The majority of insurance suppliers offer a good student discount for full-time, unmarried students up to age 25. Check with our insurance agent whether you qualify for a discount after you finish high school.
2. Multiple policy discount
Those students who rent an apartment may opt for multiple policy discounts by bundling their auto insurance with a renters insurance policy. A lot of suppliers offer savings for clients who purchase multiple coverages with them.
3. Anti-theft device discount
Before leasing a temporary residence, you should research crime statistics in that specific neighborhood, which can help you select a place in a safe area. In addition, if you are moving away from home, consider purchasing an anti-theft device for your car. It will protect you against theft and also reduce your insurance costs.
4. Good driver discount
In California, if you have had a clean driving record for a minimum of 3 years, you may be entitled to receive a good driver discount. Generally, you can save from 10% to 30% on premiums, depending on the insurance company.
5. Distant school discount
Full-time students of certain age who go to a distant school that is more than 100 miles away from home and don’t take a car may qualify for a reduced premium price. If you drive a car that is titled in your parent’s name and leave it at home while you live on campus, your parents may be eligible for the “resident student” discount since the family car won’t be driven as often as before you went to school.
6. Organization discounts
Available for members of qualified alumni associations, sororities, fraternities, honor societies, and other select organizations.
Other Ways To Save
Take a look at other possible ways of saving on car insurance:
- Take a driver’s education course
- Buy a vehicle with high-safety features
- Complete a defensive driving course
- Consider raising deductibles
- Opt for a multi-vehicle family plan
Should I Stay on My Parent’s Auto Insurance Or Not: Things To Consider
Before deciding whether to stay included in your parent’s policy or not, consider the following aspects:
- Where you will live – If you still live at your parents’ address that is listed as your permanent residence, you may remain on their policy.If you live on the campus or if you rent an apartment, check with your agent to see what the best option for you is.
- Who owns the car – The person whose name is on the vehicle’s title typically holds an insurance policy and are financially responsible for covering the costs of accidental injury or damage to other people or properties. This is true even when the owner was not driving their car which was involved in the accident. If the car is titled in your parent’s name or jointly titled by your parent and yourself, you are eligible to stay on the family car insurance policy. On the other hand, if the vehicle is titled in your name, you will need to purchase a policy in your name.
- Where you will keep the car – In case you are taking your car with you, you will be required to provide the address where you will keep the car. If you go to college out of state, please be aware that different coverages and coverage limits may be applicable and your policy must meet the minimum required for that state. If that minimum is not enough protection for you, you can add more coverage to acquire the level of protection that suits you best.
- Driving frequency and distance – Think of how often and how far you will be driving the car. Will you be using the car to go to work on a regular basis? You may choose not to drive to and from campus, but use public transportation instead. This means that you will not be using the vehicle as often, which may influence your policy premium rate.
Reasons To Remain on Your Parent’s Policy
Although you may not take your car with you, there are a lot of reasons to stay on their policy:
- Liability protection – If you are planning on driving to and back from school using your friend’s or your own car, or if you plan to drive when you come home for the holidays, you should remain on your parent’s policy. Regardless of whose car you are driving, what’s important is that you will be protected by liability coverage.
- More savings – By sharing a policy with your parent, you can save more money and be eligible for various discounts mentioned above.
- Convenience – Managing a single policy is easier than handling two of them.
When To Get A Policy Of Your Own
If you are a college student driver, there are several instances where it makes sense to remove yourself from your parent’s policy and get a separate policy:
- If you will not be driving during school year or when you go home on breaks
- You study abroad
- When you change your permanent address, get married, and become a parent yourself
Out Of State Students
If you are attending a college out of state, you may be able to stay on your parent’s insurance provided they own the vehicle you will be driving to school. If that is not the case, then you will have to purchase a policy of your own.
International students
If you are an international student coming to school in the U.S.A., you will be able to obtain car insurance provided you have a valid driver’s license. Depending on your country of origin, your license may be valid, or you may need to obtain an International Driving Permit (IDP) first.
If you are a US citizen going to college abroad, you will need your own insurance policy. The only exception is if you are going to study in Canada.
FAQs
In order for us to be able to provide an accurate quote, you will need to provide the following information: driver’s license number, vehicle identification number (VIN), and address where you will keep the vehicle.
There are no age requirements to when a parent must remove a child from their policy. As long as they live at the same address and the child drives a vehicle for which the parents are financially responsible, they can remain on one policy. However, there are instances when purchasing separate coverage is necessary: if the child owns their vehicle, gets married, has children, or when their permanent residence is no longer at their parents’ address.
Even if you are driving only during this short period of time, you should still have proper coverage in case of an accident. If your car is parked at your parents’ house and not driven for several weeks or more, certain coverages may be removed to lower the premium. Your parents may want to remove collision or liability coverage, since the car will not be driven. On the other hand, they want to keep comprehensive coverage, which offers protection in cases of vandalism or theft.