Automobile insurance is usually substantially higher for students than for most other segments of society. Students tend to  pay more for auto insurance because of their age and inexperience. Also, rates will be higher depending upon what type of vehicle they drive and their driving history. Also, their education is important and, believe it or not,the GPA of the student is extremely important. Therefore, there are certain obvious steps a student can take to mitigate their auto insurance premiums.

First of all, the student should take a defensive driving course, Their are many available and the is will result in a 10-20% drop in insurance premiums. These courses usually take about four weeks and and are very effective in reducing the rates for students. They will also make the student  a better driver.

A good driving record will also contribute to the reduction of premiums for student when seeking automobile insurance. The insurance companies penalize students for their inexperience but they will be rewarded for good driving. This means no speeding  tickets and no accidents. If the student is a able to maintain such a record he or she should enjoy lower car insurance premiums.

Another way to substantially reduce the students auto insurance rates is to add them to your policy. There are significant discounts to be had by combining insurance policies. If the student has a good driving record this will result in 10-20% savings. It also can reduce your overall insurance premium.

When purchasing a vehicle the student should plan on buying a safe and late model car. Sports cars will increase the rate substantially. Students should think seriously about purchasing a safe sedan or even a family oriented type of car. These vehicles will result in 10-20%% lower premiums when compared to sports cars.

Another factor that will improve the students premiums is to get good grades. The insurance carriers reward students who earn good grades. Grade point averages in excess of 3.0 will result in lower premium for the student. A student that achieve good grades is an indication that he is responsible and mature which is extremely important to the insurance carrier when evaluating a student driver.

Although my children are no longer students I can remember when they became drivers and  that was, to say, at  the very least, a very scary moment. Having your child take a defensive driving course, coupled with good grades will give you a great deal of comfort. Also, if he is driving a safe car it will also allow you to sleep at night. Finally if your child maintains a good driving record he will contribute to your peace of mind and the reduction of insurance premiums as well.