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Frederick Car Insurance

Frederick car insurance comes in all different shapes and sizes for people of all ages, lifestyles and incomes. Students living and driving in Frederick will be happy to note the various discounts and deals they can take advantage of. There are a number of students that call Frederick, MD home, well, at least for the semesters when they are in school. Whether you have lived in Frederick all your life or have moved here to attend one of the universities or colleges, it is important to consider your options when insuring your car. Compare Frederick auto insurance online today to see the best way to save on your annual coverage. You may be surprised at the various ways you can save this season.

There are three main colleges in Frederick, MD: the Frederick Community College, Hoods College and Mount St Mary’s University. All three of these schools are excellent options for furthering your education. If you have decided to attend one of these schools you will need to take a good look at your budget for the year. Many students will only be able to work part time and thus funds are usually quite tight. Be sure to consider all your expenses, from your tuition to your rent, from your rental coverage to your Frederick car insurance, when making your yearly budget.

Temporary Car Insurance

Many students will leave their vehicles at home when they attend college. Many others will only need their cars for the months they are away at home. If you fall into either one of these categories, then temporary Frederick automobile insurance is a worthwhile option to consider. Temporary Maryland car insurance plans allow you to only insure your car for a certain period of time. Students leaving their cars at home would only need coverage for the four months they return in the summer and the occasional two-week vacation back. Students taking their trusty vehicles with them would only need coverage for the eight months they are in school.

This is a great option to consider as you can pick and choose the amount of time you need to insure your car. It also means you can save a small fortune by only paying for when you actually need coverage. If you are attending school, consider using the Frederick public transportation system to get you from A to B. Or, perhaps look for student accommodation that is close to campus. Invest in a decent bike to get you on and from school or take the scenic roads and walk where you need to go. All of these options will help you save on your annual Frederick car insurance as well as the amount of money you spend on fuel.

Student Car Insurance

If you do decide to bring your car with you to college you will need to insure it. It is against the law to drive in Maryland without the basic coverage. This includes bodily injury liability and uninsured bodily injury liability ($30,000 per person, $60,000 per accident), personal injury protection ($2,500) and property damage protection and uninsured property damage ($15,000). The average annual rate for Maryland drivers is $1800 for their coverage; however, students may see much higher quotes than this.

Why are student stung with such high Frederick vehicle insurance rates? As mentioned above, students are usually strapped for cash and living off noodles without the added hit by the vehicle insurance companies. However, students tend to also be in the 18-24 years old category with is the highest risk level. The higher your risk level, the higher your rates will be.

Maryland Car Insurance Policy

There are ways to get your Frederick car insurance quotes down – first of all, when you are comparing prices online, fiddle around with the deducible amount. The higher your excess is, the lower your premium will be. Second of all, consider taking a driver education course which will help lower your risk level on the road. Third, look for companies that offer student discounts. The good student discount is usually for students that maintain a 3.0 GPA or higher and can save you up to 15 percent on your annual coverage. This extra bonus can go a long way in the life of a student.

Just because you are under the age of 25 doesn’t mean you have to prove those insurance providers right by driving like a maniac. The better driver you are, the better rates you will have. Perhaps the easiest way to get a cheap deal on your Frederick car insurance is to remain a good driver. Every year you remain car accident and claim free, you are one step closer to a better discount. So be sure to compare multiple Frederick car insurance quotes often to get the best rates.

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