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Car insurance rates are not high for students, but instead the age bracket that most students fall into. Drivers aged 17 – 24 statistically tend to have more accidents than their older counterparts.
This is due to their lack of driving experience. As well as this, students normally live in areas with cheaper rent and higher rates of crime, thus raising the chances of car vandalism and theft. In an attempt to safeguard themselves from this risk, insurance companies charge student’s higher premiums.
While car insurance is something you cannot escape as it is required by law, there are things that you can do to try to lower your premium.