What if you were making your college experience even more expensive and didn’t even know it? 

From tuition to textbooks, college in Arizona is already pretty expensive. And if you are paying too much for your car insurance, you are wasting money you may not be able to afford to lose. 

Fortunately, finding cheap car insurance for college drivers in Arizona is possible. Keep reading to discover the best ways to save on your car insurance premium. 

1. Arizona Students May Be Able to Stay on Their Parents’ Policy 

One of the best ways to save on your car insurance is to stay on your parent’s policy. And depending on your insurance carrier and a few other factors, it may be effortless to do so. 

To stay on their policy, you must typically drive a car in one of your parents’ names. And depending on your insurance carrier, you may need to live with your parents to stay on the policy. If you are going to school out of state, drive your own car, or don’t meet other qualifications from your insurance carrier, you may have to take out your own policy. 

2. Students in Arizona Will Most Likely Pay More for Car Insurance 

It can be difficult to find cheap car insurance for a college driver. And the reason for that is that you will most likely pay a very high price on your insurance due to several factors. 

The first factor is your age. Your rates are going to be very high until you turn 25. So as an Arizona college student, you’ll pay a high price now and will continue to pay a high price for a few years after graduation. 

Car insurance carriers also look at other factors before setting your premium, including where you live. So if you live in a dangerous zip code or have many car insurance policy claims, you will pay more for insurance. 

3. Work on Your Credit to Find Cheaper Auto Insurance in Arizona 

Some factors affecting your insurance premium are difficult or impossible to control, including where you live and how old you are. However, insurance carriers in Arizona may also consider one factor you can control: your credit score. 

If you sign up for credit monitoring, you can keep an eye on your credit score and even get tips for raising that score. A higher score may help you get a better car insurance premium. And since many companies try to exploit college students with different credit card offers, this is a great way to control your credit before you accumulate a lot of debt. 

4. Look into Discounts You May Qualify for in Arizona 

By now, you’ve probably figured out that it’s hard to find affordable car insurance for a young driver in Arizona. But no matter who your insurance carrier is, getting a better rate can be as simple as picking up the phone and asking for one. 

That’s because every insurance carrier offers discounts for different things. Some of these are specific to college students. For example, you can get deals for getting good grades or being a member of particular organizations, including select fraternities and sororities. 

Anyone can qualify for other easy discounts. If you install certain security features in your car, you can qualify for an anti-theft discount. And you can get an easy discount for completing a driving safety course. Be sure to ask your carrier about all available discounts. 

5. Arizona Students Who Drive Older Cars May Find Cheaper Insurance 

Many college students dream of driving newer and fancier cars. But take it from us: the more modern the vehicle, the more expensive it is to insure. 

Generally speaking, older cars cost less to insure. That is because they are worth less and, in many cases, cost less to repair than newer cars. Car insurance carriers pay out less for older vehicles in the event of an accident, so they pass the savings on to you in the form of more affordable care insurance for drivers in Arizona. 

If you are a relatively safe driver, you may also want to drop comprehensive and collision coverage from your older vehicle. So much coverage may be overkill for an older car, and dropping it will instantly lower your monthly premium. 

6. Car Insurance Costs May be Affected by Where You Live in Arizona  

Where you live in your college town matters in several different ways regarding your insurance, and with some planning, you can use this to your advantage. 

First, as we noted before, living in a dangerous area, or an area that gets a lot of insurance claims, means your rate will be higher. If you get a chance to room with somebody in a nicer, safer neighborhood, you may be able to lower how much you pay each month. 

Second, if you live in a dorm or within walking distance of your classes, you may be able to get a special car usage discount on your insurance. If you don’t drive your car much from month to month (your carrier may want to measure this with an app or other tool), you can qualify for a discount. And this is a real win/win since you won’t be spending money on gas before heading to class! 

Get the Best Car Insurance for College Students in Arizona Today! 

Now you know how to find affordable car insurance for a young driver in Arizona. But what if you could find the policy you were looking for with the click of a button? 

Here at Oasis, we love to help college students out by offering the best policies at the most competitive prices. To see how we can help you get an excellent life insurance policy, get a quote online. Or you can always come by one of our convenient local offices. Or pick up a phone and give us a call at 800-330-5190.