Student car insurance

Student car insurance refers to auto insurance that is especially tailored for student drivers. It takes into consideration the needs of students while buying an auto insurance policy and covers the risk factors associated with student drivers.

Although students generally buy a cheap car, student car insurance is relatively expensive. Insurance companies justify this by claiming that students are less-experienced drivers, more aggressive and are far more prone to accidents than older adults. Also, they often remain on the road for more hours, and hence are more prone to road accidents or any other type of mishap.

There are two types of student car insurance - collision insurance and comprehensive insurance. Collision insurance provides cover against damage caused by major accidents, but it does not cover bodily injuries to the driver. It includes major repair work, guarantee on company manufactured parts and subsequent car services. Such a student car insurance policy is cheaper but has limited scope. It is always better to search for low cost comprehensive car insurance. Such a policy should cover collision insurance benefits as well as medical cover for the policyholder