How to Get a 21st Century Good Student Discount

The 21st Century good student discount can save younger drivers an average of 15% on their policies.
Written by Meaghan Branham
Reviewed by Jessica Barrett
21st Century Insurance offers a good student discount for drivers under the age of 25 who maintain at least a B average. On average, drivers who qualify for this discount save around 15%.
Getting your driver's license and embracing the freedom to hit the road is one of the most exciting moments in a young person's life. The high
car insurance
rates young, first-time drivers have to face, though, can put a damper on all that fun. Drivers under the age of 25 are seen as higher risk by many providers and their average rates reflect that.
There is hope, though! Young drivers who are enrolled in school and make the honor roll might get a break thanks to the good student discount. Several of the nation's providers offer this discount, although the exact amount varies. 
We’re here with the scoop on getting a good student discount with 21st Century Insurance, one of several Farmers Insurance Providers that offer this deal.

How to get 21st Century’s good student discount

On average, students who are eligible for 21st Century’s good student discount save around 15%. Let’s take a deeper look into those eligibility requirements.

How to qualify

21st Century requires drivers to meet the following criteria to qualify for a good student discount:
  • Have a B average or a 3.0 GPA
  • Be between the ages of 16 and 24 years old
  • Be a full-time high school or college student
In some cases, proving that you are in the 20% of your class may be good enough to qualify for the good student discount. Homeschoolers can secure the discount by taking the SAT or ACT and scoring in the top 20%.
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How long does 21 Century’s good student discount last?

Your good student discount can last as long as you maintain the required grades—until the age of 24

Why do auto insurers offer good student discounts?

You might be wondering, “what do good grades have to do with lower insurance rates?” It’s simple: providers see a consistent and high GPA as an indication of responsibility. If you are willing to put in the work and be conscious of your grades at a young age, they reason, that  same conscientious attitude will carry over into your behavior on the road.
Not only do providers assume you will be more aware of the rules and signs of the road if you keep up your grades, but they also assume you will be more reliable when it comes to making payments on time. That goodwill pays off in the form of a hefty discount.

The best 21st Century car insurance discounts for students

You may be able to save more than that 15% with your good student discount—the actual amount you save will depend on your driving record. Even if you qualify for less than the average, you could get a better deal if you combine it with another discount.
Here are some of the other car insurance discounts available to high school and college students.

Student away at school discount

21st Century is one of a few providers that offer the student away at school discount. If one of the drivers on your policy is away at school for most of the year, and only drives the covered car when back home for breaks, let 21st Century know and they may be able to swing this discount for you.

Driver training discount

Much like a
defensive driver
discount, the driver training discount rewards drivers who take a course that might improve their driving.
You can only qualify for this discount if all the drivers who are under 21 on your policy show proof that they’ve completed an approved driver education course.

Multiple auto policy discounts

Having young drivers on your policy means you probably have multiple vehicles to insure. If you bundle two or more auto policies with one provider, you may be eligible for a multiple-policy discount. The exact amount that you save will depend on your record and location, but it’s likely to take a bit off your overall monthly payment. 

Anti-theft discounts

No matter what age you are, adding an
anti-theft device
to your car is a good idea. It serves the obvious purpose of keeping your car safe, and it can pay off in the form of 21st Century’s anti-theft discount.
According to the provider, having the latest in anti-theft devices can help you save an average of 15% on your policy.
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