A high school student as young as fifteen years old may already drive unaccompanied even before he reaches the age of eighteen, provided that he has a license to drive and student car insurance, a policy specifically designed to protect young drivers like him should anything happen on the road.
Applying for student car insurance is very similar to getting standard auto insurance. Parents first gather several insurance quotes before they decide what policy is best for their teenage children. It is typical to initially compare and study a few quotes to gauge which policy will best fit their teenager’s driving lifestyle.
The application process itself is simple and easy. One can go directly to the insurance provider’s office and submit the necessary requirements there. He will need to provide them a copy of his birth certificate for age verification, and his car registration. Premiums charged are usually lower if the car to be used is an older model.
Some insurers may also look at a student’s transcript of academic records. They assess a student driver’s performance in school to see if he can be trusted behind the wheel. This is because they think that those who excel in school have a sense of responsibility, and therefore, will also likely be responsible drivers. They give special premium discounts to students with outstanding grades.
Of course, a person applying for student car insurance must know how to drive. Hence, some insurers will also ask for recommendations or a certificate of completion from driving schools. On top of that, they will also ask for a copy of his driver’s license.
Insurance companies today offer a second and easier way to apply for student car insurance. Clients can go online to visit their website. From there they simply follow the steps enumerated and in just a few clicks, their application can be completed. The actual copy of the policy may be mailed by post. It can also be emailed so that clients can print it for themselves.
Insurance companies have security measures against bogus applications done online. They ask for pertinent personal data like name, birthday, age, contact information and credit card account number to verify the identity.
On the part of applicants, they must also carefully assess the legitimacy of a website before disclosing personal data. They can ask around for referrals or stick to big and reliable names in the insurance industry. If they are not internet savvy and want to be on the safe side, it will not hurt to just visit the actual office to apply.