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This is the only reason because of which car insurance companies set high rates for a student or teenager car insurance policy. But this doesnt mean that there are no cheap student car insurance policies. Also there are number of ways to reduce charges on car insurance policy which are especially for students.Discounts are provided by the car insurance companies, if a policy has more than one car, driver and policy. The rates are lesser than receiving separate student car insurance policy. You can also enquire from your insurer about the type of discount they will provide you. Also, getting good grades in school clearly indicates how responsible you are and that you might be responsible behind the wheels. This would instill confidence in the insurer and would provide you with additional discounts and lower rates.If a student has cleared the driving course, then the payment for student car insurance is lessened. Since the abilities of the student have been improved and they have become much clever in driving, the rates are cut down. This results in reduced risk of getting into a road accident.It is always advised for the student to maintain a good driving and credit history. It is very difficult for a teenager to maintain a nice credit record as he/she has to hold a long credit history. For keeping good and clear driving record, teenagers should be conscious about the fact that committing traffic offenses will extremely manipulate the rates for car insurance. A driving under the influence citation directly marks a driver as high risk, and due to this the car insurance has higher insurance premiums. Those drivers who are charged or marked with DUI have the highest payment for car insurance.One of the vital features that have to be taken into account is the kind of automobile that the student drives. Ultimately, all that would help to get a cheaper car insurance policy is the smart choice. A tough sense of responsibility at the time of driving would defiantly provide you a cheap student car insurance policy.
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