To various teenagers, driving a car to college can mean different things. It could be a fashion statement for some. For some, it may just be a more convenient mode of transportation. Whatever your reason for driving your automobile to college, one thing is certain: you’ll need insurance. 

There are also certain auto insurance do’s and don’ts for student drivers to consider. Continue reading to learn more about this subject.


Car Insurance for College Students: Do’s and Don’ts

This section contains a full list of important do’s and don’ts for a successful motor car insurance experience for college students.


“Do’s” Regarding Car Insurance


1.  Before making a purchase, do some research.

Don’t rush through the process of purchasing or renewing insurance. Conduct some basic research into the types of automobile insurance policies that will best suit your requirements. Also, do some research on the insurer from whom you wish to purchase the policy. 

A nice approach is to read online reviews.


2.  Invest in a broad-coverage policy.

You may be tempted to purchase a low-cost Third-Party Car Insurance Policy, however Comprehensive Cover provides much-needed comprehensive insurance coverage. In terms of coverage and benefits, there’s no denying that a Comprehensive Plan outperforms a simple Third-party Plan. 

However, there are certain supplementary coverings (add-ons) that can assist you get better coverage.

Add-ons raise the price, so use caution while purchasing them. Purchase just those that will increase the value of your policy. A Zero Depreciation Add-on, for example, is a wonderful choice for new and relatively new cars (under five years) because it removes depreciation calculations while settling claims, resulting in a bigger payout.


3.  Consider purchasing items on the internet.

Traditionally, insurance has not been acquired through the internet. As a result, you may be apprehensive to purchase it through a website rather than through an agent. 

You can, however, acquire vehicle insurance online in the same way that you can book movie tickets or order meals. Just make sure you’re getting it from a reputable company. 

This can help you save a lot of cash.


4.  Make an effort to clear your doubts.

Some vehicle insurance jargon can be a little difficult to decipher. If you feel confused when going over some of the features and perks, either learn more about them on the insurer’s website or talk to a Customer Care representative.


“Don’ts” Regarding Car Insurance


1.  Don’t choose a low-cost plan on the basis of price alone.

You may feel compelled to get insurance with the lowest premium in order to save money. Make sure, though, that the policy you’re buying doesn’t recompense you in terms of coverage, service, or claim settlement. 

As a result, choose a low-cost plan that does not compromise on the insurance experience.


2.  Don’t File a Claim for Minor Injuries

Yes, this may appear strange. Isn’t that why you acquire insurance in the first place? 

To make a claim in the event of damage? Claiming for insignificant damages, on the other hand, can be counterproductive. 

Get an estimate of the repair costs before filing a claim.

When paying the repair bill, keep in mind that you will be responsible for Deductibles and Consumables. Additionally, filing a claim will cause the No Claim Bonus, which is a renewal discount, to be reset (up to 50 percent ). 

As a result, filing claims for trivial faults may result in you losing more money than you gain. It is preferable to handle minor repairs on your own and take advantage of the renewal discount.


3.  Don’t Let Your Insurance Policy Expire

Car insurance coverage normally has a one-year policy length. For continuing coverage, they must be renewed before the expiration date. There are no benefits to having an expired policy. 

As a result, driving a car with an expired auto insurance policy is as dangerous as driving a four-wheeler without coverage.


Don’t lend your car to someone who doesn’t have a valid driver’s license.

If a buddy without a driver’s license damages your automobile, the insurance company will not be responsible for the damages. It can be a safety danger for the driver as well as others in the vicinity if someone is not qualified to drive a car.


Do’s Regarding Car Driving

Here’s a list of pointers you must do while driving your car.

  • Do wear a seat belt
  • Do follow traffic rules like maintaining the speed limit
  • Do keep car-related documents handy
  • To ensure periodic servicing of your vehicle
  • Do be considerate of other drivers and pedestrians


Don’ts Regarding Car Driving

Here’s a list of pointers you must avoid while driving your car.

  • Do not drink and drive
  • Do not drive without a valid insurance cover
  • Do not use your mobile phone (texting/calling/scrolling) while driving
  • Do not engage in illegal activities like car racing
  • Do not hit and run


Key Takeaways

Listed below are key pointers covered in this article.

  • Research and choose a wide-ranging cover
  • Be alert while driving and avoid using your mobile phone when seated in the driver’s seat
  • Do not drive with an expired car insurance policy
  • You can ensure your car is online within minutes
  • Choose only those add-ons that fulfill your insurance requirements