| If these are true, you might be wondering if it's | | | | class, be sure your insurer knows about your |
| possible to fit the extra expense of a new car in the | | | | achievement so you can get a discount. |
| monthly budget you have planned. That new car will | | | | Shopping Around for the Best Coverage |
| certainly come in handy, but consider all the aspects | | | | Shopping around for the coverage you need at the |
| of buying a car beforehand, particularly the car | | | | best price is a necessity. You can easily research |
| insurance costs. | | | | the policies, rates and discounts from multiple |
| Think Insurance When Buying Your First Car | | | | insurance providers for college students in Miami, |
| Once you've determined that you have the means | | | | Florida online. Determine which insurance company |
| to purchase a car, it's time to find your dream car, | | | | offers the type of coverage you need at a price you |
| right? Before you begin your search for a car in | | | | can afford. You can compare quotes on the Web |
| Miami, think carefully about the big responsibility of | | | | for multiple vehicles before you buy an automobile to |
| keeping the right amount of insurance coverage on | | | | avoid surprises later. Verify from the state |
| your vehicle. As a college-aged driver, you might | | | | insurance department that the company you choose |
| have to pay up to 50 percent more for auto | | | | is licensed in the state where you attend college. |
| insurance. If paying these high insurance rates is a | | | | During your search, you'll likely find that the cheapest |
| big concern, take the necessary steps to get a lower | | | | car insurance available for college students is liability, |
| premium. | | | | which pays for damages to other vehicles if you're at |
| If your parents are planning to keep you on their car | | | | fault in an auto accident. Collision coverage is not |
| insurance policy, they should first contact their agent | | | | required unless you take out a loan on your vehicle. |
| and inform him about the area in Miami where your | | | | Collision covers damages to your own vehicle caused |
| vehicle will be located. Dependent upon the accident | | | | in an accident. Comprehensive covers theft, fire, |
| and theft statistics in this area, the insurance | | | | weather damage and other losses. Both of these |
| premium could be lower or higher. | | | | types of coverage will add to your premium. |
| As a Miami college student with a low monthly | | | | Pay Cash and Save |
| budget, consider investing in a less expensive car | | | | Maybe you've saved up enough money from a part |
| equipped with safety features such as airbags, seat | | | | time job to pay cash for an older car. By purchasing |
| belts and anti-theft devices. You will find there is a | | | | an older vehicle, you will not only avoid paying |
| tremendous difference in premium amounts on | | | | monthly car payments with interest, but also the high |
| certain vehicles and features. Avoid buying a sporty | | | | insurance premiums for collision and comprehensive |
| car - these tend to be the most expensive in terms | | | | coverage. Think of the extra you will be able to |
| of car insurance. One other thing to lower premium | | | | add to your savings just by paying cash for a vehicle. |
| rates is to keep at least a "B" average grade in | | | | As a college student in Miami, Florida, choose your |
| school. Insurance companies tend to perceive | | | | vehicle carefully and don't be afraid to ask about |
| students with good grades as being more | | | | student discounts. You'll be surprised at the savings |
| responsible. Keep up with your books and enjoy the | | | | on your car insurance premium when you use these |
| savings. If you've recently completed a driver's | | | | valuable tips. |