Tips for College Students in Need of Insurance Largo

by | Mar 19, 2013 | insurance

As if students making their way to campus didn’t already have enough to worry about, they also need to start thinking about insurance.

The good news for many college bound students will be that they don’t have to worry about health insurance just yet. In most cases, their parent’s health insurance policy will continue to cover them until after they graduate. However the student still has to think about Insurance Largo for their car and if they rent, they’ll also need to have renters insurance. Coming up with the funds needed to pay the insurance bills can be tricky on the limited amount of money most college students have access to.

Even if the student isn’t bringing a car with them to college, they will still need to have some sort of auto insurance. The first reason for this will be that when they return home during their vacations they will want to drive. There’s also a good chance that the student could find themselves in a position where they need to drive one of their friend’s cars. The best way for this student to handle the issue of car insurance Largo will be to talk to their agent and discuss the situation. Most companies have programs designed specifically for students who don’t have a car on campus.

Students who do drive to school will want to keep their credit scores and driving record in good standing as these can lead to a significant break in the amount of money they get charged for insurance Largo. Driving an older car that has gotten a good safety rating will also go a long way towards lowering the college student’s monthly insurance bill.

The best way to avoid having to worry about renters insurance Largo will be staying in the dorms, but that’s not always an option for all students. Some find renting to be the most sensible option. While renter’s insurance will be something the student needs, they can keep the cost of their premiums to a minimum. The first thing they need to do will be limiting the number of valuables they have in their home. Not only will this make the apartment less appealing to burglars, but it also reduces the amount of personal property insurance they need. Lots of electronics tend to raise insurance rates, so the student should limit themselves to one laptop.

Students should avoid renting any building that has a reputation for flooding. By sticking to buildings that aren’t on the water, and which aren’t prone to leaks, the student won’t need to pay extra for flood insurance.

Since liability insurance will be a part of the student’s insurance Largo policy, they should avoid getting a dog which could increase their rates.

The Hartselle & Associates Agency provides insurance in Largo to as well as providing financial services which can help the student as they start their professional life

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