Student Discounts on Car Insurance For Kentucky College Students?
Q: I was sad when college ended a few months ago, but I also felt a pang to see my good student discount go. I had twenty percent of a discount on my car insurance for that, and once it was gone my premium went up a few hundred dollars in total. Is there something out there which is equal in savings I can replace it with?
A: Maybe there is, but it depends on what you were studying so hard on to get that good student discount for your car insurance policy. If you were working on a degree in the field of science or mathematics, particularly in engineering, then your looking at a savings from some companies simply for that. Although this discount is still not widespread, it is taking hold in the car insurance industry, as many studies have found that people in the above fields are more meticulous and pay attention o detail, and, the kicker, file fewer car insurance claims.
If you don’t have one of these degrees, or even if you do and decided to go into the field of teaching, you can get another discount by joining a teacher’s union. Of course, unions do have membership fees, but it will be like getting free union membership because your discount will be around the amount of the fees, and you probably would have joined the union anyway.
1. Raise your deductible amount to as high as you feel comfortable – this can drastically reduce your annual premiums
2. Join a credit union or bank affiliate that offers insurance discounts – even Sam’s club and Costco offer discounts these days
Non Owner SR22 Auto Insurance Discounts in Kentucky?
Q: Can I get discounts on non owner Kentucky SR22 insurance or are they all for people with cars? Because it looks like to me everything is for people who have cars.
A: You may just be with a car insurance company which doesn’t have a lot of discounts. I would say that is the first sign that you need to get out. Start looking up quotes online and think about changing to a company with a lower car insurance quote and a better range of discounts. Depending on the size and number of discounts you’d qualify for, sometimes it’s better to trade a lower initial quote for a lot of discounts.
Many of the discounts aren’t applicable to a non owner SR22 insurance policies because they involve aspects of he car, such as anti theft device discount, low mileage discounts, safety feature discounts, and the like. But many are careless discounts.
For example, you can get a discount for combining your insurance policies, by getting your life, health, home owners/renters, and car insurance all from the same company. You can choose from a variety of student and senior discounts, or take classes to watch your non owner SR22 car insurance rate plummet.
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