How can I keep car insurance costs down when I’m at university?
If you’re on a campus, it’s unlikely you’ll need to drive to lectures, so it’s worth calculating how many miles you actually are likely to do – the less annual miles you drive, the less chance there is of having an accident and the lower your insurance may be. Also consider the type of car you drive, older cars can sometimes have lower premiums but might come with higher maintenance costs.
Alternatively, you might want to try telematics insurance – where a ‘black box’ device records how you drive. It’ll store data on how you accelerate, brake and on what type of roads you drive on. If they device shows you’re driving well, then it could lead to lower premiums.
You could also invest some time in taking the Pass Plus programme which could give you more practical driving skills. It’s most useful in terms of lowering your car insurance if you take it within the same year you pass your test. Some insurance providers will take this into consideration and offer a discount on your car insurance.