Auto insurance in Elberton, Greensboro, Athens, Monroe, Loganville, Commerce & Nearby Cities

Auto Insurance in Commerce, GA, Loganville, Elberton, GA, Lincolnton in Nearby Cities

Car Insurance for College Drivers: Dos And Don’ts

Griggs Ficklen Insurance provides auto insurance in Elberton, Greensboro, GA, Athens, GA, Monroe, GA, Loganville, Commerce, GA and surrounding regions.

When it comes to car insurance for college drivers, there are several dos and don’ts to keep in mind to ensure you have the coverage you need at a price you can afford.


  • Shop Around: Don’t settle for the first insurance quote you receive. Shop around and compare rates from multiple insurance companies to find the best deal for your specific needs.
  • Consider Discounts: Many insurance companies offer discounts for college students, such as good student discounts or discounts for completing a defensive driving course. Take advantage of these discounts to lower your premium.
  • Understand Coverage Options: Make sure you understand the different types of coverage available, including liability, collision, and comprehensive coverage. Choose the coverage options that best fit your needs and budget.
  • Opt for Higher Deductibles: Choosing a higher deductible can lower your insurance premium, but make sure you can afford to pay the deductible out of pocket if you need to file a claim.
  • Bundle Policies: If you have other insurance policies, such as renters insurance or life insurance, consider bundling them with your car insurance to qualify for a multi-policy discount.


  • Lie on Your Application: Be honest when providing information to insurance companies. Lying on your application could result in your policy being canceled or your claims being denied.
  • Neglect Maintenance: Keeping your car well-maintained can help prevent accidents and keep your insurance rates low. Neglecting maintenance tasks like oil changes or brake inspections could result in higher premiums.
  • Forget to Update Your Policy: If you move, change vehicles, or make any other significant changes, make sure to update your insurance policy accordingly. Failing to do so could result in gaps in coverage or paying for coverage you no longer need.
  • Overlook Student Discounts: Many insurance companies offer discounts specifically for college students, such as discounts for maintaining good grades or living in a dormitory. Make sure to ask about these discounts when shopping for insurance.
  • Ignore the Fine Print: Before signing up for a policy, carefully review the terms and conditions, including any exclusions or limitations. Make sure you understand what is covered and what is not covered by your policy.

By following these dos and don’ts, college drivers can find the right car insurance coverage to protect themselves and their vehicles while staying within their budget. Kindly call us without hesitation.