It is not a secret why young adults are characterized as the most high-risk drivers compared to other age groups. The mix of fun, adventure and carelessness are all combined into one individual who is only starting out at life, discovering new wants and needs. While they look at their amusement, car insurance companies look at their potential loss. This makes it difficult for service providers to provide affordable Michigan auto insurance for students, especially for those who are likely to have an accident.
But luckily, there are many ways one can make up for this…and everything can be described with just a single word: discipline.
- Maintain Good Grades. Other than getting praise from your parents, you also prove to your insurance company that you are not as irresponsible as they think. Doing well at school also equates to you being disciplined. Studies show that students with good grades are less likely to make claims, which makes service providers willing to give you discounts on your premiums. Having a 3.0 GPA or better can give you a nice discount off your auto insurance. The better your grades, the more discounts you get.
- Maintain A Good Driving History. So maybe your grades are not enough to back you up. However, you can always show your insurance company that you drive safely. As much as possible, keep your record clean. Drive within speed limits. Never drive under the influence. Obey traffic lights. These and more safety tips can help in reducing possibilities of accidents and you don’t need to make claims.
- Maintain Your Car. The engine size, make and model of your car plays a crucial role in your Michigan auto insurance for students. If you have bought a luxury coupe, then expect to pay more. However, if you’re driving a low-maintenance, well-running car, then you’re in for a good discount. Pick a car that suits a modest lifestyle. As much as possible, find a safe place to park it in and make sure you have installed anti-theft utilities to help you in keeping it secure.
Getting a cheaper Michigan auto insurance policy for students can be tough, but it’s not impossible. As long as you are disciplined enough to maintain your grades, driving record and your vehicle, you’re off to a good start.