Age is only one of the factors used in calculating your insurance rates, but for young drivers, it's by far the biggest impediment to cheap student car insurance. Young drivers have many times more accidents, and they are by nature more impetuous and immature.
Cheap student car insurance comes only when young drivers can prove they pose less risk to insurers. That's where good student discounts and monitoring programs come into play.
While not every car insurance company offers a student discount or a usage-based program, a good many do. Their rules differ a little, but below are some guidelines as to what makes a student a "good student" and how an electronic monitoring program might cut your bill.
And while price seems to be the only thing that matters when you’re a struggling student, you may find that the very cheapest policies don’t cover what you assumed they would. Read the fine print.