Car Insurance Can Be Cheaper For College Students

Car insurance is a requirement if you want to own and drive a vehicle in all 50 states of the USA. The minimum amounts of coverage vary from one state to another, but you must carry some level of coverage to protect yourself, other drivers and your vehicle.

As a student it can be rather difficult to find cheap student car insurance that is affordable for a number of reasons. Car insurance companies realize that younger individuals are more likely to get into an accident, and as a result they charge higher premiums to ensure they don’t lose money by insuring you. If you’re looking at an age limit, being under the age of 25 is the typical cutoff that insurance companies set to determine whether you’re a high-risk driver.

All hope isn’t lost though. It is possible to find affordable car insurance as a student but it requires some work on your part. The first thing you should do is shop around. Don’t go with the first company that you see an advertisement for or select one based on what your parents say. Rates will vary based on a number of factors including your age, how long you’ve had a license and if you have a clean driving record. It’s free to obtain quotes and many websites will actually compare quotes from multiple companies so you can make an educated decision about which one to choose.

Once you select a company make sure that you’re receiving all the discounts that you’re eligible for. Insurance companies give discounts for safety and security features on your vehicle such as anti-lock brakes, VIN etching or a security system. If you’re unsure of whether you have a specific feature consult with your owner’s manual.

You can also receive discounts from your insurance company if you are a student. Some companies give a small discount if you’re attending high school or college. Take advantage of the discounts because a few dollars here or there really adds up to a lot over time.

You can also get a cheaper policy if you pay in advance. Insurance companies typically tack on an additional fee if you pay monthly, which increases your overall policy cost. Since most insurance policies are six months long, pay the six month premium ahead of time and eliminate the monthly add-on instalment fees. Take a class in defensive driving or a driver safety course. While the discount won’t be permanent, it typically lasts from six months to two years and will reduce the premium on your policy for a while.

Something else you can do that will ensure that your premium costs aren’t through the roof is to keep a clean driving record. Obey the rules of the road and never drive under the influence of substances that can impair your driving ability and increase the chances that you will end up getting in an accident. Student car insurance shouldn’t have to cost your entire paycheque if you shop smart and take your time when selecting a provider.

Car Insurance Online

Guest post: The internet has changed the way in which many of us live our daily lives. We use the internet to stay in touch with friends, do our shopping and even conduct our banking. Now you can also shop for and apply for your car insurance online to find the best car insurance deal.

One of the main reasons people choose to shop for their car insurance online would be because it is a lot more convenient. You can obtain and compare quotes easily and efficiently. The internet is a wonderful research tool that allows you to find out everything you need to know about a car insurance provider or car insurance in general without leaving the comfort of your own home.

How To Find Car Insurance Online

The first step to shopping for car insurance online would be to decide which online search engine you would like to us. There are a variety of free online search engines available and you should choose the one which you are most comfortable working with. You then simply enter the search phrase into the search engine and then wait for the results.

A great place to start would be to search for car insurance providers in your area. You can then access each of their websites in turn to find out more about their services and products. Many car insurance providers will have an online form that will allow you to request a quote online for car cover.

This quote is usually emailed straight to your email inbox. You may compare each quote received to see which service provider offers you the best value for your money.

The last step would be to research each car insurance provider online. You can find online reviews that would give you an idea of what other people experienced when taking out a car insurance policy with that particular insurance company.

The information gathered will give you all the insight you need to make a decision. You may then go ahead and purchase your car insurance online as well. Other tools, including vehicle tracker may be worth considering.

New Abarth Video Gets Racy!

Abarth have revealed their latest ad promoting the new Abarth 500. This racy ad features a gorgeous model playing the part of the sexy looking sports car. A very entertaining ad that pushes the boundaries of decency!




To test drive the new Abarth 500 or find out more about this rather racy car, visit your local Abarth dealer. If you're based in or around London, check out the flagship store Abarth London where you'll find a great range of Abarth cars, merchandise and people with passion for this superb Italian marque.

Ignition switch on my shopping list

My near loss of car keys this week has led me to discover a whole new world of car locksmith services that I never even knew existed! Apparently in addition to the more standard services associated with car locksmiths like car lockout and key duplication, a good car locksmith car replace an ignition switch too.

Fortunately I don't think my ignition switch requires replacing just yet but it appears that buying an ignition switch replacement online can be much cheaper. It can still be fitted by a professional mobile locksmith though, let's face it - I shouldn't be attempting that level of tinkering on my car!

I couldn't find my car keys...

It's one of those classic excuses and one that I almost had to pull out the other day when running late for work. I could not find my car keys anywhere. I looked all over the house, in the pockets of my coat and jeans, even down the back of the sofa. The problem is that I only have one set of car keys. I bought my car second-hand and the previous owner had lost the spare keys so I have no back-up set in case of manic Monday morning lateness!

Been looking for a car locksmith and had not had much luck finding one in my area, but just came across an auto locksmith locator site. Didn't realise before but an automotive locksmith can also offer lock repair and car key duplication in addition to the standard car lockout services, good to know since I do have a tendency to misplace things...

Buy a car engine online

So, it may not be the kind of online retail therapy that I'm used to but good to know that this is available to us internet-savvy shoppers...car engines for sale online. With more than 100,000 miles on the clock of my much-loved convertible, it's great to know that I could get an online quote for a replacement engine if I need one. Have a friend who's a mechanic and would probably fit it for the tidy price of a Sunday lunch - this could save me a small fortune!

Sarah's parking space!

Loving this idea! Rather than having a boring parking sign on your driveway, how about one of these fun parking signs with your name or personal message on? These personalised car gifts would make a great birthday or Christmas present for any car enthusiast...or even a grump who doesn't like others parking in their spot!

They could also make a great joke present, perhaps for a boss with their own parking space in the office car park? I particularly like the idea of a 'Sarah's convertible only...lesser cars will be clamped' sign! They also have the same kind of sign but by car model instead, so would be 'Peugeot 206 CC parking only' - also sounds pretty good!

Guest Post:: Cool Mum Car

As a soon-to-be first time mum, I put off the task of shopping for a new car for as long as I could! The thought of trading in my stylish little convertible for a more practical family car was not appealing to me! Now the summer is coming to an end and the baby bump is a constant reminder that my two-seater convertible just won't do anymore, I need to set about the serious business of family car shopping!

Living on the outskirts of London, I've always found that small cars are best. I love the convenience of being able to park them in tight city spaces and can't face the idea of manouevering a large people carrier into an average London parking space. After shopping for baby bits and bobs in Selfridges the other day I came across a Fiat dealer in central London. I didn't actually realise there were any Fiat dealers in the city but decided to bite the bullet and start car shopping.

I was actually pleasantly surprised. Along with family practicality, my two key requirements were style and small. I found the Fiat 500 and really loved it! As a small car, I didn't think that it would be big enough but actually there was plenty of room for a child seat inside and a buggy in the boot. It comes in loads of cool colours and is even available as a limited edition Fiat 500 Gucci model - definitely a cool mum car!

The best thing though is that I don't have to give up driving a convertible. The Fiat 500C has a retractable roof so me and baby will be able to enjoy the summer breezes too! Morale of the story: there is such a thing as a cool mum car, thank goodness! (Just to clarify: this is a guest post from my friend Charlotte; I am not expecting a baby but am very pleased for her. To clarify further, she will most definitely be a cool mum!)

New Fiat Panda from only £99 per month

While looking at the below Fiat 500, I came across a Fiat Panda offer from only £99 per month. Seems like a fantastic offer to me, not that I need a new Panda but if I did that woul be a pretty good deal!

Although the words 'Fiat Panda' conjure up visions of the hideous old car my first boyfriend drove, this car has transformed to share nothing more than the name and subtle styling details with its predecessor. An MP3-compatible stereo system, a 'city' mode to make driving in and parking in tight spaces easier plus a generous 206 litres of boot that increases to 236 litres with sliding rear seats. There's even a 4x4 version too!

New Fiat 500

A good friend of mine recently purchased a new Fiat 500 and I must say, I was very impressed! I had always thought that a 500 would be too small and would lack power but it turns out that neither of those things are true! As well as having plenty of space to seat 2 adults in the back, the new Fiat 500 also has a fair bit of power behind it too and was nippy up hills and along the motorway.

Better still, the new Fiat 500 is available in a huge range of colours both inside and out and special editions include the new Fiat 500 by Gucci (pictured above). Loving that this combines the Italian style of two iconic brands - stylish and fun!