If you’re a full-time student between 15 and 25 years of age with a “B” average or higher, you qualify for Amica’s good student car insurance discount.

Finding

affordable car insurance

can sometimes be difficult, but it can be especially challenging for younger drivers. Insurance companies tend to deal in statistical trends as opposed to individual people, and the data shows that drivers under the age of 25 pose a substantially higher risk than other groups. You do, however, have an unexpected ally when it comes to solving your insurance conundrum—your grades.

It’s true—you can get a great discount on your car insurance just by getting good grades as a full-time student! Let’s look at Amica’s good student discount and how you can save on your car insurance!

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How to get Amica’s good student discount

Although Amica does not advertise the specific amount of savings on its website, the average good student discount saves you roughly 15% on your insurance policy. Amica offers this discount to full-time high school or college students between 15 and 25 who maintain a “B” average or higher.

How to qualify

If you want to be considered eligible for a good student discount from Amica, you have to meet the following criteria:

Between 15 and 25 years of age

Maintain a “B” average or equivalent—eg. 3.0 on a four-point scale, rank in the top 20% of the class academically, included on Dean’s List or Honor Roll, etc.

Enrolled full-time in high school or college

These guidelines are fairly straightforward, but things get a bit trickier if the student on your policy is homeschooled and doesn’t have a traditional report card to show. If you still want to qualify, the best way is to take a nationally standardized test like the SAT or ACT and attempt to reach the upper 20% of test scores.

How long does Amica’s good student discount last?

You’re eligible for Amica’s good student discount for as long as you maintain grades and are 25 or younger. Once you turn 26, you’ll have to start looking for

other car insurance discounts

Why do auto insurers offer good student discounts?

The good student discount might seem a little unfair or somewhat arbitrary, but there is a good reason why Amica and other providers choose to offer it. In fact, it can be summed up in a single word—responsibility.

Basically, insurance providers want customers who are demonstrably responsible with both their finances and driving habits as policyholders, since they inherently seem to pose less of a risk. When these insurance companies see that you are able to put in the work to maintain good grades, they view that as a sign of responsibility. Good students will probably make good drivers since the qualities that led them to do well academically will also serve them nicely on the road.

MORE:

What is a responsible payer discount?

The best Amica car insurance discounts for students

Adding an Amica good student discount to your policy is a great way to reduce your payments by as much as 15%, depending on other factors like your personal driving record.

That’s not the end of it, though! In fact, there are several additional

car insurance discounts

offered by Amica that would be perfect for both high school and college students.

Student away at school discount

There’s another Amica discount specifically geared towards (mostly college) students, specifically those who are living

away from home

and do not have a car. The “student away at school” discount is for students who only drive the insured vehicle while home on school break or during holidays. Once again, Amica does not give a specific savings amount, but this discount is very easy to get and will still lower your car insurance rate.

Defensive driver training discount

Another great and fairly simple way to get a discount on your premium is to pass a recognized driver education course. However, you can only get

this discount

if every driver under 21 who uses the car completes the program.

Of course, defensive driving discounts are also available to Amica policyholders of any age so long as they take an approved

defensive driving course

Multiple auto and multiple line discounts

Let’s assume you have to insure multiple vehicles on your policy, which you probably do since you’re looking for student discounts. Auto insurance can get expensive fast, and that’s before you consider any other insurance needs—like homeowners, renters, or life insurance.

If you’ve got multiple forms of insurance, Amica has a few discounts for you. A multi-line discount can save Amica customers up to 30%, while a multi-car discount can save as much as 25%.

MORE:

How to find multi-car insurance quotes online

Good safety features

No matter how old you are, driving a car with good safety features is a great way to protect yourself from some of the dangers out on the roadways. Furthermore, these safety features can earn you some additional savings on your car insurance policy!

There are multiple safety features that can qualify your vehicle for the Amica discount, including:

Anti-theft device (car alarm, tracking device, etc.)

Passive restraints (airbags)

Adaptive headlights

Electronic stability control

Forward collision warning

MORE:

14 safe driving tips

Parental loyalty discount

This discount is geared toward the end of your presence on your parent’s insurance policy. If you’re fast approaching your 25th birthday, it’s time to start thinking about getting your own insurance coverage. That might sound scary, but we’ve got a possible solution—a legacy discount.

That’s right, you can basically inherit a discount from your parents, so long as the right qualifications are met. If your folks have been with Amica for at least five consecutive years and you are under 30 years old, you can qualify for a legacy discount when you purchase your own policy for your personal vehicle!

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