How to Save on Car Insurance with a Good Student Discount

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Teenagers and young adults usually don’t get the cheapest car insurance rates simply because young drivers are considered inexperienced, riskier drivers.
However, there is one common way to reduce insurance premiums for young drivers. Students with above-average grades often qualify for a good student discount.
While it may be a lot of work to keep great grades, it’s worth it to get cheap insurance for college students and high school students. Here’s what you need to know about the age cut-off and how to provide the documentation necessary to use this auto insurance discount.

How to qualify for a good student discount

The process of obtaining a good student discount may vary by car insurance company, but here are the general steps.

Verify age and full-time status

You’ll want verify that you or your child qualify for the discount. Ask your current insurance provider (or prospective one) what the age requirement is for the good student discount. For most companies, the age requirement is 25 years and younger.
You’ll also need to prove that you or your child is a full-time high school or college student. The requirements to be considered a full-time student often vary between universities, but it’s almost always the stipulation to qualify for a good driver discount on car insurance.
Often, full-time status at a university is established based on credit hours, whereas any high school student is a full-time student by default.

Get proof of good grades

Once you’ve verified that you or your child is a full-time student, get a copy of your report card or college transcript to provide to your insurance company as proof of good student status.
Usually, a B, or 3.0 grade point average (GPA) qualifies a student for the car insurance discount. Alternatively, you can use a copy of the Honor Roll or Dean’s List if those are accepted documents by your insurance company.
Key Takeaway Verify with your insurance carrier that you qualify for a good student discount and prepare the materials to prove your grades, which usually includes a report card or transcript.

Home-schooled students and resident student discounts

Students who are schooled from home also qualify for discounts. If home-schooled students do not get report cards, they may provide different documentation of good student status, such as a letter from an administrator or copies of ACT or SAT scores.
College students who attend a school outside of their state of residency and only drive a vehicle when at home over breaks may qualify for a different discount called a resident student discount that takes their limited driving into account. They may also qualify for a low-mileage discount.
Don’t hesitate to ask questions about how the good student discount works or about other aspects of a car insurance policy. After all, when you have the proper information in hand, you can feel confident about the quality of your insurance coverage.

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