If you are a student or insuring a student, you know finding Affordable car insurance can become a difficult task. Typically, young adults are going to pay more for their insurance than anyone else under age 70, because they are considered the riskiest on the road. However, young adults can lower their auto insurance rate by taking a defensive driver course, raising their comprehensive and collision coverage deductibles, commuting through public transportation, buying a home or renters policy through the same car insurance company, or buying a safer car. Fortunately you have SOS Insurance on your side. Shopping with SOS insurance is easy and can save you time and money. Many insurers don't offer specific student or young driver car insurance, but we have teamed up with some carriers that take into consideration your age and current occupation to give better options for better premiums. Sure, we can not stop our children from eventually driving, but we can find ways to get cheap car insurance for our driving teenagers. Some of these ways will also help our teen drivers become safe, responsible drivers. It is a win-win situation! Tips for Students & Young Adults You've recently graduated from high school or college, or just finished a brief stint in the military. For the first time, you're truly on your own. Having adequate insurance coverage is undoubtedly not uppermost on your mind. Being independent, however, means you are no longer covered by your parents’ insurance. Many young adults, feeling invincible, go without insurance, but that’s not a wise decision, caution financial planners. An auto accident could set you back financially for years. Here are some of the requirements with some of our carriers to qualify for student discounts: Under age 25 is a full-time student maintaining a "B" average, or otherwise qualifies as a "good student" A young driver qualifying as a "Good Student" is a full time student in high school, college/university or a certificate degree program. In schools designating grades by letter, had a grade average of B or its equivalent In schools where numbers are used to designate grades, had an average of at least 3 points for all combined subjects Is ranked scholastically among the upper 20% of his/her class In schools that maintain a Dean's list, Honor Roll or comparable listing for scholastic achievement, was included on such a list Tips for Parents Our children bring us great joy – first words, first steps, and first days of school, to name a few. Our children also bring us great worries and expenses, many of which are preventable. An event that brings us both worries and expenses is when our teenagers begin to drive. Statistics for auto-related injuries and fatalities keep us biting our nails until our teenagers get home, and the same statistics have us emptying our bank accounts every month for high car insurance costs. While we may not be able to drive our teenagers every where they need to go for the rest of their lives, there are several ways we can get cheap car insurance for our teenagers. Have your teen driver take a driver education course in school, as well as encourage your teen to make good grades. Many car insurance companies offer discounts to those teen drivers who have taken driver education courses and make fairly high grades. Add your teen driver to your own car insurance policy. There is no reason to purchase a completely separate car insurance policy for your teen driver when you can add him or her to your own car insurance policy. This alone will save you money, and you may even be able to get a multi-policy discount, too. Ask your agent. Drive responsibly. If your teenager sees you speeding, ignoring stop signs, and giving in to road rage, he or she will most likely develop the same driving behaviors. These behaviors lead to traffic citations and traffic accidents, both of which will lead to higher insurance prices, as well as injuries and fatalities.