Sunday, December 6, 2009
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Insurance for Students
Health Insurance for College Students May Be a Must
Many colleges require that students buy health insurance. For a number of years, schools suffered high drop-out rates when they lost kids who had high medical expenses, preventing them from returning to school. Requiring health insurance for college students means fewer drop-outs and less reliance on school-sponsored health clinics. 25% of mid-size to larger public universities and almost all private schools require some sort of health insurance for students according to Vita Reed in the April 11, 2005 San Diego Business Journal article entitled "Many college students required to have insurance: study shows unexpected medical expenses were a leading cause of students dropping out of school."
Average Prices for Health Insurance for College Students
A number of universities provide health insurance for college students with rates running less than $1000 annually overall, says Reed. Many schools’ plans are closer to the $800 range. Some colleges offer health insurance for college students by the semester, an affordable option for kids on a budget.
Cheap Students’ Car Insurance Provides Protection
Cheap car insurance for students provides protection for vehicles kids drive on and off campus. The cheapest students’ car insurance is liability only and pays for damages that the driver is liable for in an accident. Comprehensive and collision auto insurance costs more but provides coverage for damage to the auto in the event of an accident and compensation for theft and other covered losses. Students’ credit scores, driving record and discounts eligibility all help determine the cost of auto insurance.
Good Student Insurance Discounts Helps Kids Save on Car Insurance
Students’ car insurance is cheaper when kids qualify for good student insurance discounts. The insurance discounts usually require that a student be full-time and carry a certain GPA (at least a B). College students who are eligible for the good student insurance discount should be 25 or younger and in some states must be 21 to qualify. Most major auto carriers offer a good student discount.
Read more at Suite101: Insurance for College Students: Cheap Students' Car Insurance, Health Insurance & Renter's Insurance | Suite101.com http://campuslife.suite101.com/article.cfm/insurance_for_college_students#ixzz0YyB9bvUj
Cheap Car Insurance For Students?
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There are various things that you can do to keep your costs low. Even though insurance costs for students under 25 is high you can get good discounts. Is important that you compare quotes with different companies.
You may be able to get some guidance from your college, since there must be many other students looking for insurance.
You can keep you costs low by only buying the minimum required insurance in your state law. You may be able to skip comprehensive and collision coverages which are costly. The only downside is that you will have to pay the cost to repair or replace your car in case of an accident, so it is a risk that you have to decide.
But first ask for any student discounts that you can get:
for example you can use your parents policy if you live with them and it will be much cheaper
enroll in a defensive driving course
install safety devices in your car
drive less and get a low mileage discount
compare quotes
have good grades and ask for a discount
And lastly keep in mind that if you increase your deductible you can lower your premium costs, just be aware that in case of an accident you will have to take more money out of your pocket.
Best Online Car Insurance Quotes and Rates Student Car Insurance Free 5 Health, Home, Life
student car insurance
Student Car Insurance
As a Student everyone understands that your money is very a precious commodity. So how do you get cheap car insurance? Well if you want cheap car insurance there are a few decisions that you need to take first. What level of car insurance do you need?- third party is cheaper, but if you cause an accident then your own car is not covered by the insurance, also do you choose a low amount for your variable excess?- but again if you have an accident you may well pay more in the long run. How much of a gamble are you willing to take?
At Express we take the fear out of the process, by helping you make an informed choice and then assist you to find answers to your other insurance questions. Not much no-claims bonus? Only had your licence for a few years? Under 25? Your postcode makes your Insurance expensive? Well, at Express we are specialists at finding insurance for students, and finding the right quote for your needs. We do that by using our expert panel of over 30 Insurers and our specialist team of Insurance Consultants. We also often offer ways of paying that can take the sting out of yearly premiums.
Don't worry if you are also unfortunate enough to have a poor accident or claims history or you have previous convictions- we will use our specialist knowledge in these areas to find a quote for you that is the right price.
