Posts Tagged ‘college’

The Truth about Car Insurance for College Students

Article by Cedric Loiselle
























Many college students today drive their own cars, and because a lot of them are recklessly driving their cars while intoxicated, they are prone to road accidents. Consequently, auto insurance companies now offer car insurance for college students. If you have car insurance, the insurer will pay for the repair of the automobile if it is damaged during an accident. Maintaining car insurance involves paying monthly, quarterly, or yearly premiums.

For college students with cars, auto insurance is necessary for several reasons. The best car insurance for college students offers the following benefits:1. Protection of investment (in this case, the automobile itself)2. Compensation for medical bills sustained because of the car accident3. Compensation for all costs incurred due to the accident4. Compensation for car repairs due to vandalism or natural calamities5. Compensation after car theft6. Peace of mind

College students should consider getting auto insurance for the above-listed reasons. However, it is sometimes hard to give advice to carefree young adults. One problem is that many of these young people still ask support from their parents. So it is probably the parents that should get car insurance for their sons or daughters who drive their cars. Those students who work part time do not have enough funds to support a decent insurance policy for their automobiles.

One problem is that car insurance can get expensive, especially if a comprehensive coverage is chosen. Complete auto insurance includes protection for accident, damage, theft, vandalism, and third party claims. Many students can only afford basic insurance coverage. College students may decide to choose low-cost insurance, which anyway would be able to cover usual car damages. Another problem regarding auto insurance is that a lot of insurance providers are reluctant to approve applications done by students. The reason is that high cases of reckless driving and over-speeding involve college students. This is why cheap automobile insurance policies for college students are hard to obtain. Insurers will check the driving records of the student and the condition of the car. Students should search earnestly for companies that provide the most favorable insurance products.

Some insurance companies provide fine deals for the sake of competition. To not be fooled by seemingly good deals, ask quotes from different insurers and look into the details of their insurance products. At the same time, it is also essential to look at the testimonials. The reputation of the insurer should be considered.

How can you increase chances of getting the best car insurance for college students?1. Keep good driving records. Even one “driving while intoxicated” record can cause any insurance firm to raise cost of premiums.2. Have good academic standing. Since you are a student, it would be wise to show insurance companies you are doing well in school. The assumption is that students with good grades are more responsible and are less likely to be involved in road accidents. 3. Own a good car. A good car is a car with standard safety features. Generally, one can get low-cost insurance policy for a new car.


About the Author

For more information about the best car insurance for college students and finding car insurance for college students visit our website carinsuranceinet.com.












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Five Car insurance Do’s and Don’ts for College Drivers

Article by Bethanycollins









Let’s face it, college is great for learning but college without a car is a lot less fun. What better dream does a senior in high-school have than to own a car? But with that car comes the hassle of insurance rates that are higher for the younger demographic of society because individuals under the age of 25 are statistically proven to be high-risk takers. Is there something that you as a college student can do to keep car insurance rates affordable? Here’s a list of five car insurance do’s and don’ts for all the college drivers out there.

Do’s:

1. Get good grades: Car Insurance companies think that students in general are prone to drive rashly because they are yet learning to drive. In fact, 61% of young drivers admit to having risky driving habits like not wearing a seat-belt. When it comes to making decisions while driving, they seem to be more prone to be distracted and impulsive. However, if a particular student can show that he is responsible, then the insurance company can offer a discount in his car insurance. One of the best ways to prove that you are a careful driver is by maintaining good grades. Some insurance companies offer the “Good Student Discount” for students that have a GPA above a 3.0.

2. Carpooling: A general tip for anyone who is looking to buy car insurance is that you will get a lower premium if you drive less. How much less do you have to drive for it to affect your premium? Most insurance companies reduce premiums if you drive less than 10,000 miles a year. Driving less means less time on the road and therefore a lower probability of getting into an accident. One of the best ways to not just lower the miles you drive but also make friends is by carpooling.

3. Install airbags and anti-theft devices: Any kind of security measure you install in your car will reduce the probability of it being stolen or severely damaged in an accident. Air bags and car alarms are some of the most practical ways you can make driving safer for yourself and save precious dollars off your monthly premium.

4. Maintenance and servicing: Just like buying life insurance is cheaper when you’re in the best of health, buying car insurance is also cheaper when you have a healthy car. Well-maintained cars will not break down easily and give you good mileage too!

5. Buy a used car: There are so many benefits you can enjoy by choosing to buy a used car as your first car. The pain of chipping and denting a brand new car should be reason enough to settle for a used car as your first one. You can save the great SUV or branded super car for later in life when you’ve already established yourself as a good driver with long clean driving record to prove it. However, when you’re starting out with your very first car, make sure it’s used.

According to insurance companies, used cars are less likely to be stolen. If it does break down, its parts are not as expensive as new car parts (even if it’s totaled). It gets even better if you buy a small car because smaller cars have a less powerful engine which makes it less likely to get into a really gruesome accident at a high speed. For all those reasons, insurance companies sell used car insurance at a lower rate.

Don’ts:

1. Drink and drive: The best way to get a good deal on your insurance policy is to have and maintain a clean driving record. Nothing kills that record faster than a couple of DUIs. Not only is driving under the influence of alcohol and drugs against the law but a serious hazard to your personal safety as well as the safety of others on the road. Out of all the fatal accidents in 2009, 32% involved drunk drivers. Driving drunk shows negligence towards society and one’s own life.

2. Allow other people to drive your car: It’s easy to want to be helpful to a friend in need of a ride but always offer to drive the friend to wherever he or she needs to be. Don’t lend your car because if your friend gets into an accident, you are responsible–not only does your insurance have to pay for the damages but you have to pay the deductible and it will affect your record, even if you weren’t the one driving!

3. Break traffic violations: If you have more than 2 traffic violations on your record in a year, your premium is bound to sky-rocket.

4. Drive a Sports Car: Bigger and better cars are at a high risk to be stolen. They also cost more to repair when they get into accidents or break down. From the insurance company’s perspective, sports cars have the best of engines that can tempt the driver to speed and drive rashly. So just like buying a used car has so many insurance benefits, buying insurance for a brand new sports car for your first day of college will definitely be more expensive.

5. Skimp on

The Truth About writing services Car Insurance College Students

Article by JUSTIN BARBER









Many college students today drive their own cars, and because a lot of them are recklessly driving their cars while intoxicated, they are prone to road accidents. Consequently, auto insurance companies now offer car insurance for college students at a high cost. If you have car insurance, the insurer will pay for the repair of the automobile if it is damaged during an accident. Maintaining car insurance involves paying monthly, quarterly, or yearly premiums.

For students with cars, auto insurance is necessary for several reasons. The best car insurance for college students offers the following benefits: 1. Protection of investment (in this case, the automobile itself) 2.

Compensation for medical bills sustained because of the car accident 3. Compensation for all costs incurred due to the accident 4. Compensation for car repairs due to vandalism or natural calamities 5.

Compensation after car theft 6. Peace of mind College students should consider getting auto insurance for the above-listed reasons. However, it is sometimes hard to give advice to carefree young adults.

One problem is that many of these young people still ask support from their parents. So it is probably the parents that should get car insurance for their sons or daughters who drive their cars. Those students who work part-time do not have enough funds to support a decent insurance policy for their automobiles.

One problem is that car insurance can get expensive, especially if a comprehensive coverage is chosen. Complete auto insurance includes protection for accident, damage, theft, vandalism, and third party claims. Many students can only afford basic insurance coverage.

College students may decide to choose low-cost insurance, which anyway would be able to cover usual car damages. Another problem regarding auto insurance is that a lot of insurance providers are reluctant to approve applications done by students. The reason is that high cases of reckless driving and over-speeding involve college students.

This is why cheap automobile insurance policies for college students are hard to obtain. Insurers will check the driving records of the student and the condition of the car. Students should search earnestly for companies that provide the most favorable insurance products.

Some insurance companies provide fine deals for the sake of competition. To not be fooled by seemingly good deals, ask quotes from different insurers and look into the details of their insurance products. At the same time, it is also essential to look at the testimonials.

The reputation of the insurer should be considered. How can you increase chances of getting the best car insurance for college students? 1. Keep good driving records.

Even one “driving while intoxicated” record can cause any insurance firm to raise cost of premiums. 2. Have good academic standing.

Since you are a student, it would be wise to show insurance companies you are doing well in school. The assumption is that students with good grades are more responsible and are less likely to be involved in road accidents. 3.

Own a good car. A good car is a car with standard safety features. Generally, one can get low-cost writing services insurance policy for a more recent car.

.



About the Author

For more information writing services about the best auto insurance for students and finding car insurance for students, visit our website carinsuranceinet.com.










health insurance what to do graduates from college students

Every year, more than one million Americans earn a college degree. Graduation is exciting, but flipping your tassel also means taking on new challenges. One of them is deciding what to do about health insurance.

Traditionally, young adults could only remain on their parents’ policy until they turned 23 or finished college. Fortunately, new laws have extended the coverage period all the way to age 26. This gives you ample time to find a job that offers benefits.

But what if you don’t have coverage through your parents to begin with? This is a predicament millions of recent grads are still facing. Yet going without insurance is risky, even when you’re young and healthy. And in most cases, it really isn’t necessary. In fact, there are lots of ways to find coverage while chasing that dream.

Find a part-time job with benefits

Some places offer health insurance to employees who work 20 or 30 hours a week. Waiting tables a few nights a week may be all you need to do to get coverage. If that’s not your bag, try working at a gym, coffee shop or hotel. If you scout around, some larger companies may also offer health insurance benefits to part-time employees.

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Take out a short-term policy

A number of insurers offer temporary coverage to recent grads. These policies last about three to six months and have a variety of features:

* They can be tailored to your needs.
* They are fairly inexpensive.
* They’re easy to cancel.
* Some can be renewed.
* You have to apply before graduation.
* Pre-existing conditions usually aren’t covered.

Even with those disadvantages, though, a short-term policy can still be helpful. If you’re within a few months of finding a job, it might just be all the coverage you need.

Get a policy with a high deductible

A high deductible health plan (HDHP) is often a good option. Premiums are much lower than for standard policies. You have to pay the first few thousand dollars in health costs yourself. But in a real emergency, it can come in handy. Once you’ve met your deductible, the insurance coverage will kick in. If you get really sick your medical expenses may run high, but you won’t have to declare bankruptcy over an illness. Young people are usually healthy and preventive care is almost always included in a HDHP at no additional cost.

Consider COBRA

Federal law also allows parents to keep children on their employer plan if they’re no longer eligible for group coverage. You can use COBRA for up to 36 months, but it’s expensive. For starters, you pay all of the coverage costs plus a 2 percent administrative fee. The employer does not contribute to the plan, which means it could cost you as much as several hundred dollars a month. There’s a time limit, too. You only have 60 days after dependent coverage ends to re-enroll.

COBRA does offer a major advantage, though. You get the full range of benefits and coverage. That means access to all network doctors and facilities. And when you take that into account, COBRA might not be a bad deal. Besides, there’s one option that’s can be costlier than paying for COBRA.

That’s having no insurance at all.

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