How are rates determined for college students?

Answer

Your schooling status has nothing to do with calculated rates.

Rates are determined by where you live, your age, how long you have been licensed, and your driving history (tickets, accidents, lic suspensions/revocations, etc.) which is reported nationwide via the National Consumer Inquiry Council or NCIC.

Unfortunately though, many auto insurance companies have a very negative attitude about anyone less than 26 behind the wheel and more than triple the average rates just to discourage this group from driving.

If you happen to be in this group which in college you probably are depending on what state you live in and how long you've been driving, you can only be insured through SR-22 (extreme high risk) carriers with insurance that must be accompanied by the official SR-22 clearance certificate. If you need insurance, you might want to try a specialized carrier like progressive or AIG.

www.progressive.com www.aig.com

Anyway, your schooling status has nothing to do with the calculation of insurance premium costs. For example, if you're in college, are a 40 year old female with no prior citations you won't pay very much in most states. E-mail me if you have any other questions.

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