Posts Tagged ‘Students’

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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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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Related Health Insurance Articles

Personal Property Insurance For Students

Article by Robert Johnson







From jewelry to cars, motorbikes to fur coats, rare books to personal documents, we all have possessions that we deem priceless. These items are important pieces of our lives that need to be protected. For this reason, we may choose to buy personal property insurance coverage.

Any item has the potential to be lost or stolen, but students are often most vulnerable to personal property loss. Every year, college students lose millions of dollars worth of personal property due to theft, or damage caused by fire or water. Students lose calculators, stereos, cameras, personal computers, books, furniture and clothes, both accidentally or due to criminal activity. Most students reside in dorms or share living accommodations, so the risk or loss or damage to personal property is even greater. Having personal property insurance can protect students from the cost of replacing lost or damaged items.

Many insurance companies provide personal property insurance policies to students. Here is a short list of companies with outlines of key features and policies:

National Student Services Incorporated (NSSI)

NSSI offers an affordable personal property insurance policy for college students, for as little as a few cents a day. The NSSI policy is recognized at over 1000 colleges and used in several universities in the United States. The NSSI personal property insurance plan protects the policyholder’s belongings, whether the student lives on campus or not. Also included in their policy is ,000 automatic liability coverage. This added benefit pays for any loss or damages where the insured is responsible. For instance, if an accident occurs due to the policyholder’s negligence, the NSSI personal property insurance will cover up to ,000 of the hospitalization costs.

Ancillary Campus Services

Offered by Auxiliary Services Corporation at SUNY Cortland, Ancillary Campus Services offers primary coverage to protect the personal property of college students. This student personal property insurance is administered by Haylor, Freyer, & Coon, Inc. and is designed to protect college students from loss or damage of personal property while residing in halls, fraternity or sorority houses or off-campus houses or apartments. This affordable personal property insurance policy has deductibles that start as low as . Ancillary Campus Services also offers policies for students going abroad.

Clements International

Clements International offers international personal property insurance to cover the cost of damaged items during the relocation process or while the student resides in residence in a foreign country. Clements International is one of the few insurance companies that offer personal property insurance policies for students living out of the country. The international personal property insurance of Clements International is separated into two plans. The first plan covers transit and destination costs, while the second plan is solely for destination coverage for professionals already living abroad.

Students need to know and understand the risks to their personal property, and take steps to protect it. Contact one of the companies listed above, or talk to your student services officer to find out where personal property insurance is available in your area.



About the Author

Robert Johnson writes for several web sites, on home and family topics.

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