If you're a student, it's a good possibility that you're low on funds.
Even if you have a job, you probably don't get enough hours or enough pay to live a lavish lifestyle while you're going to college or university.
In fact, you're probably broke like most other students.
If you have to pay your own way and you are already paying for food, rent, utilities and other expenses, that doesn't leave a lot for car insurance.
Yet if you're driving a car, you need insurance to stay within the law.
That's why you will want to save as much money as possible while getting the best car insurance policy possible.
Student Insurance: You've probably heard advertisements on the radio or on TV talking about this company or that company offering the cheapest insurance premiums.
"You can save hundreds on your car insurance by signing up with XY or Z.
" But when you finally log onto those insurance company websites, and you start to price their student insurance quotes, you can quickly become disillusioned.
Student rates are going to be much higher than rates for experienced or older drivers and that's because insurance companies see students as quite risky.
Students get in more accidents, they get more speeding offences and other motoring offences, and so they have to pay more for their car insurance.
You don't have to go broke looking for car insurance, however.
You just have to know where to look for the cheapest deals.
Get Quotes: The first thing you should do is get online and start getting car insurance quotes from as many different companies as you can find.
The more policies you get quotes for, the more accurate your comparison will be.
Make sure you are selecting student quotes, and make sure the information you plug into the various websites matches.
If you input different information into each site, it can give you information that's skewed.
The more evenly matched the quotes are, the easier it'll be to pick out the best policy.
What You Want: You want cover for your car.
That should be the first priority.
As long as you have cover for your car, you will be able to remain within the law while driving.
You also want to save money.
That should be your second priority.
Don't just choose a policy because it's the cheapest, however.
Instead, look at each policy and weigh them according to how much they offer as well as how much they cost.
If a particular insurance policy is expensive but it offers the most, if you can afford it, you will want to choose that policy.
But the bottom line is that most students are not rich.
So your student car insurance should work to save you as much money as possible.
Luckily, there are many companies that offer cheap student car insurance and that's because they know the struggles students go through.
You can get the proper cover for your car, and you can find cheap insurance even if you're a student, but you have to uncover it and that might take a little effort.
That effort is well worth it, however, if you can find the best student policy for your needs.