5 Mistakes Students Do That Can Increase Car Insurance Rates

Younger people are more reckless than adults, making it easy for them to make mistakes after mistakes. In some ways, they still think a bit like children. They don’t think about the consequences of their actions and short-term comfort may often be their priority. Here are mistakes that people may do:

Drinking before driving

This is one of the most common mistakes that young people do. If students want to get an excellent deal on their car insurance policy, it is important to maintain a perfect driving record. Nothing ruins a driving record than a severe DUI case. This is a serious condition, because DUI isn’t only dangerous for personal or others’ safety, it is also against the law. About a third of fatal accidents are associated with driving under alcohol or drugs influence. Drinking before driving is an indication of negligence towards one’s own life and the society.

Allowing Friends to Drive the Car

For many students, this may sound like a harmless thing to do. As an example, students may want to be helpful and they let friends to borrow the car for some college-related tasks. Although no one is doing a bad thing, allowing friends to borrow the car has violated the rules as stated in the policy. The car insurance policy considers car and driver as a single entity. The car shouldn’t be driven by others and the driver sometimes isn’t allowed to drive other cars, depending on the policy. The insurance company will eventually find out if students do this too often and record can be affected.

Breaking Traffic regulations

If we break more than a couple of traffic regulations in a single year, our premium will skyrocket.

Driving Sports Car

More expensive and bigger cars represent higher risks. Maintaining and repairing them are also more expensive. We will need to spend more money if the car breaks down or if it gets into accidents. Sports cars often have powerful engines and reckless young driver will be tempted to drive rashly. Buying used cars may cause many insurance benefits and it is definitely more expensive to buy insurance policy for the first day of college.

Skimping on Coverage

College students could be tempted to obtain insurance with minimal coverage. We should know that this could be the wrong way to go. It is true that students will need to spend less, but minimal coverage will not provide them with the proper protection. Although they have been careful and cautious, many things could happen to the car and the student. Higher deductible is often associated with full insurance and this is also a good incentive if we want to become a more responsible driver.

These possible mistakes are things that they need to avoid before and after buying car insurance. In order to further reduce car insurance costs, students could look for free car insurance quotes.