Student Health Insurance

Does Your Child Qualify For A Good Student Driver Discount?

There are countless things that make a parent worry instantly. One of those is when your teenage child starts driving. Not only do you worry about the safety and well being of your child you are probably asking yourself what this is going to do to your insurance rates. At some point studies showed that there was a correlation between good grades and safe driving. Insurance companies began offering good student discounts for teenage drivers who did well in school. If you have a smart kid, get out those report cards and talk to your insurance agent. First of all, let's see who and what exactly qualifies your child for good student insurance.

The guidelines vary from state to state, but generally to receive the good student discount, a driver must be at least 16 years of age and not older than 24. The must be full time students, which means in college that is normally 12 credit hours, or of course a full time high school student. A student must have at least a "B" average; qualify for the "Dean's List" or "Honor Roll", or be in the upper 20% of his or her class.

To qualify for this, you will have to provide proof to your insurance company in the form of a report card or a letter from your child's principal or dean. The discount is applied once a year, usually at renewal. Also, this is not something that your insurance company is going to automatically do. Each year you will have to provide the proof and you will have to take the initiative and stay on top of this. You can bet that the discount will be removed from the policy if the proper documentation is not provided.

Another thing to do is to check if your child is eligible for an additional discount if he or she completed an official student driving course as opposed to learning just from a parent.

Once again, the rules for the good student driver discount vary from state to state. Also, they vary widely by provider. Check with your current insurance carrier to see if your student qualifies and how much that discount will be. Of course it pays to shop around and find the best deal for your current situation. Many companies offer this discount. With a little online research you can find very good deals.

Please check out the Good Student Driver Website to find companies that can help you if your student has a good report card.

About the author: Brock Timberman is a staff writer for Platinum Web Services.

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