You can get an Auto-Owners good student discount if you have at least a B average or a 3.0 GPA. Student drivers can save up to 20% as long as they are eligible according to their agent's requirements.
Young drivers are usually quite expensive to insure since they lack driving experience. However, Auto-Owners offers a good student discount because having good grades shows the insurer that you are responsible off the road, meaning you’re more likely to be responsible in the driver’s seat as well.
Auto-Owners good student discounts vary by state, but it’s always worth the effort of checking if they are available in your location.
You should have $2,500 to $30,000 in PIP coverage per person in states that require personal injury protection (PIP), though exact requirements vary by state. Even if it’s not mandatory in your state, you should purchase as much PIP coverage as you can comfortably afford. For example, $10,000 in PIP coverage will ensure that you're covered for at least basic medical expenses and some lost wages.… read full answer
Personal injury protection pays for your medical expenses after an accident, regardless of who was at fault. As a result, purchasing higher limits can better protect you against hefty expenses that may result from injuries.
What to Consider Before Purchasing PIP Coverage
When deciding how much PIP to purchase, you should consider how much coverage you can afford as well as the coverage offered by any health insurance that you have. If you have a reliable health insurance policy, you may be able to purchase lower PIP limits, since the coverage overlaps in some areas.
However, you should keep in mind that PIP also covers certain long-term expenses that don’t typically fall under health insurance, like lost income and household services. Additionally, PIP can help cover the deductibles and copays that you’re typically required to pay with health insurance, so you’ll have fewer out-of-pocket costs.
You cannot get an Auto-Owners affiliation discount, since Auto-Owners does not offer discounts for members of affiliated companies or organizations, as some other insurance companies do. You can still save on an Auto-Owners car insurance policy with other discounts, however, such as the good student discount, multi-policy discount, or safety feature discount.… read full answer
If your organization is affiliated with a specific insurer, you may want to consider switching to that insurance company. If not, the best way to find car insurance savings is to compare multiple quotes in order to identify the cheapest policy for your needs.
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.
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