How can I get a 21st Century good student discount?

AAA, USAA, and Travelers are the cheapest car insurance companies for college students, charging an average of $850 per year, which is lower than the average student’s policy overall. Car insurance is more expensive for college students than for older drivers, but students can save by comparing quotes and finding ... read full answerdiscounts.

For instance, every major insurer offers a good student discount. Many companies also provide student-away-at-school discounts for drivers who leave their car at home during the semester.

Companies with Cheap Car Insurance for College Students

Note: Premiums are annual, for college students with their own policy. Individual rates will vary.

How to Get Cheap Car Insurance for College Students

It’s important to note that adding a college student to a family policy is usually less expensive than purchasing an individual policy for a college student. Overall, the cheapest companies for adding a college student to an existing policy are Travelers, Mercury, and The Hartford.

College students might be better off getting their own policy in unique circumstances, though. For instance, it’s probably cheaper to get your own policy if someone in your family is a high-risk driver. Or, you might want to get your own policy if your school is in a state with much lower insurance requirements than your home state.

To learn more, check out WalletHub’s guide to the best car insurance for college students.

Yes, AAA has glass coverage for customers with comprehensive insurance. AAA customers can file a glass claim under their comprehensive coverage if their windshield was damaged due to something besides an accident, such as an animal, a weather event, or vandalism. If the windshield was damaged in a crash, drivers can file a claim with their ... read full answercollision insurance if they were at fault or with the at-fault driver’s liability coverage.

Fixing a cracked or chipped windshield is important for safety reasons, since damaged windshields can obstruct a driver’s vision and weaken the car’s frame. If the damage is minor, you might be able to have your windshield repaired rather than replaced. Repairs are usually inexpensive, costing around $50-$150 for most cars, and they often take around 30 minutes. If the cost of repairs is less than your deductible, your insurance company won’t pay for any of it.

AAA sells policies underwritten by a variety of insurance carriers, so some company policies may waive the comprehensive deductible for windshield repairs. In addition to AAA’s own rules on windshield repairs, several states have specific laws about car insurance deductibles for windshield repairs and replacement.

State Laws on Windshield Repairs

• Florida, Kentucky, and South Carolina require companies to waive the deductible for both windshield repair and replacement.

• Kentucky and South Carolina require companies to waive the deductible for all auto glass that you can see out of, not just the windshield.

• Arizona, Connecticut, Massachusetts, Minnesota, and New York require insurers to offer customers the option of a $0 glass deductible plan. This option is often referred to as full glass coverage.

If you don’t live in one of these states, you may have to pay your comprehensive deductible in order for your windshield to be repaired or replaced. You can check with AAA if you’re unclear about your policy details or your state’s laws. For more information, check out WalletHub’s guides to comprehensive and windshield insurance.

College students can get car insurance discounts for having good grades or for going to college far away from the car they drive. College students can also qualify for general car insurance discounts, such as driver's education and good driver discounts. Since most college students are young drivers, car insurance companies consider them ... read full answerhigh-risk and usually charge them higher premiums, making discounts all the more important.

To qualify for a good student discount, drivers usually need to be under 25 years old and unmarried, with a B average or better. Additionally, distant student discounts are designed for students who do not have a car with them at college and who attend school more than 100 miles away from home. You can see which major car insurance companies have these student discounts below.

Car Insurance Discounts for College Students by Company

Most college students can save money on car insurance by staying on a family policy. However, if your permanent residence is different from your parents’ and you drive full-time, you will likely need your own policy. It also might be cheaper to buy your own policy if you go to school in an area with lower car insurance rates or if one of your family members has a poor driving record that increases premium costs.

For more information, check out WalletHub’s articles on cheap car insurance for new drivers under 21 and the best car insurance for new drivers under 25.