by suissegirl » Sun May 10, 2009 04:53 am
Hey,
This is Saira. I am new to this forum. I was on my parents' auto insurance until now. I had never had a ticket until last August when I got into a car accident and totaled my car. Nothing happened to me and the other car just had a minor damage. I think my insurance rate went uup a little since I was at fault. In March, I was in another car accident My car and the other car were totaled. It happened cause the other driver was speeding and left at red, but there were no wtinesses or evidence for that and I was turning left I got the ticket. I have never gotten any speeding ticket or anything else on my record but these. So I was told if I took the Defensive Driving Class, it would not show on my history. My current insurance company is not going to insure me anymore. If I go to another carrier and show them my defensive driving certificate, will it lower my rate? How is it gonna work? Which insurance companies are better? Also, I have heard that if you are a full-time student and have like a GPA higher than 3, you get a discount. I am a full-time student with a higher GPA, am I still gonna get a discount? Also, I am 22 years old now.
Thanks :)
This is Saira. I am new to this forum. I was on my parents' auto insurance until now. I had never had a ticket until last August when I got into a car accident and totaled my car. Nothing happened to me and the other car just had a minor damage. I think my insurance rate went uup a little since I was at fault. In March, I was in another car accident My car and the other car were totaled. It happened cause the other driver was speeding and left at red, but there were no wtinesses or evidence for that and I was turning left I got the ticket. I have never gotten any speeding ticket or anything else on my record but these. So I was told if I took the Defensive Driving Class, it would not show on my history. My current insurance company is not going to insure me anymore. If I go to another carrier and show them my defensive driving certificate, will it lower my rate? How is it gonna work? Which insurance companies are better? Also, I have heard that if you are a full-time student and have like a GPA higher than 3, you get a discount. I am a full-time student with a higher GPA, am I still gonna get a discount? Also, I am 22 years old now.
Thanks :)
Posted: Fri Jun 19, 2009 08:18 pm Post Subject: Discount/driving course
Hi Roddick,
I'm not sure of the defensive driving course being repeated but as to the "good student discount" I've been told anywhere from 18 months to 36 months with no infractions to be able to qualify. So if you're a junior or senior, forget it! Hope this is the info. you were looking for.
Posted: Sat Jun 20, 2009 05:07 am Post Subject:
Dear Sunshineva..
Hope this is the info. you were looking for.
Absolutely!
Only one thing..once they'd be eligible again do they get entitled for the same worth of discount? OR does it vary?
Steven
Posted: Wed Jun 24, 2009 01:05 pm Post Subject: Good Student Discount
Hi Steven,
I'm not sure of the answer to that one -- but I'd imagine different insurers could very well offer a different percentage off of the premium for the "good student" discount just as rates differ among insurers. As for the same worth of discount being offered once the driver becomes eligible again, similar answer -- would depend on what discount the insurer was offering at the time the driver became eligible again.
Posted: Wed Jun 24, 2009 01:10 pm Post Subject: Good Student discount
Hi Kelvin,
I've had "good student" discount on policies for the last 10 years from 2 different carrier -- they ranged between 9 and 11 % off the premium for the vehicle on which the student was the primary driver.
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