It’s that time of year – kids are going off to college for the first time and considering whether to take a car to school. Some students enjoy having the freedom a car brings, allowing them to commute quickly and safely to class, activities and jobs.

If you (or your college bound student) plan to take a car to campus, it’s probably a good idea to compare auto insurance rates before the big move. Whether buying a new policy for the first time, or looking to save money, comparison shopping online is super easy and may save a lot of money.

According to the experts, drivers who are between the ages of 18 and 22 pay an average rate of about $150.00 per month, and guys in that age group may pay a little more, however, it’s possible to get a cheaper rate by shopping around.  For example, my own daughter is 21, a college student and her cost for full coverage car insurance is $120.00 per month, while my son who is 24, pays about $75.00 per month for liability coverage. 

So, if you – or your child – plan to take a car to school, here are some recommendations and tips to consider from insurance.com, which offers comparison automobile insurance quotes.

• Purchase a Parking Permit

Check your school’s policy on parking and buy a permit if necessary. The cost of the permit is well worth avoiding the hassle and expense of picking up your car at the impound lot. If you get a ticket, be sure to pay it on time – before it gets mailed home to Mom and Dad!

• Choose a Car that’s Less Expensive to Insure

If you’re on your own for the first time, and in sticker shock from the cost of insurance, consider a used car that may not need comprehensive and collision coverage. Or pick a less expensive car to insure. For example, a fuel-efficient Hyundai Sonata costs $1,770 to insure, while quotes for a new Scion averaged $2,850.

• Drive Safely

Concentrate on driving when you are on the road. Even one accident or ticket can increase your rates on auto insurance coverage by hundreds of dollars. And, don’t lend your car to your roommate, because it’s your insurance that pays!

• Earn a Good Student Discount

Students with a B grade average or higher usually qualify for an auto insurance discount of up to 15 percent and if you drive less than 10,000 miles per year, look for low mileage discounts.

• Manage Credit Cards Carefully

Late payments will hurt your credit history and lead to higher auto insurance rates in states that permit insurers to consider your credit history when setting rates.

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