Student Scooter Insurance - Getting Discounts

Due to these financial advantages, many freshmen students have begun bringing a scooter to college instead of a car, truck, or SUV. A scooter can be an easy alternative to taking a bus, bicycle, or car to class. On any college campus, parking is at a premium; a scooter can be parked nearly anywhere a bike can. And without having to rely on the municipal or university transit system, you will have much greater freedom to come and go from campus as you like. Extracurricular activities are easy to join and attend, and the time-savings leave more room for studying or a part-time job.

Of course, scooter insurance is mandatory in most states, and recommended in all of them. Much like car insurance, most states only require you to carry liability insurance. Liability coverage protects against damages you owe to third parties for bodily injury or property damage. Riding a scooter is fun, but it is more risky than driving a car. For this reason, you also may want to opt for more comprehensive forms of coverage, such as collision, uninsured motorist, and medical payment coverage. Don't let these coverage extensions intimidate you; scooter insurance for students is usually quite inexpensive. Some students are even able to insure a scooter for less than $100 per year.

That said, there are some ways you, as a student, can save money when insuring your scooter.

Good Grades: Many scooter insurers will give you a discount for maintaining a GPA that is above a certain threshold. Check with multiple scooter insurance companies to find which one offers the best "Good Student" discount.

MSF Course: The Motorcycle Safety Foundation, or MSF, offers safety courses which are recommended for anyone who plans to ride the public roads on two wheels. These courses typically cost $300 to $400. However, the lessons you learn could save your life, and most insurance companies will give you a discount for having attended such a course. Additionally, your local DMV will often waive the practical skills test required for your motorcycle endorsement if you can show proof of having attended one of these courses. They generally take place over a single weekend.

Good Driving Record: This one is a no-brainer. If you can demonstrate a clean driving record, you may qualify for additional discounts.

Multiple Vehicle Discount: Do you already own a car, truck, motorcycle, or other insured vehicle? If so, you may be able to save money by adding your scooter to an existing policy. Likewise, the same goes if you can add your scooter to your parents' insurance policy. In both of these cases, your scooter may be eligible for a significant discount.

Keep these factors in mind as you hunt for student scooter insurance.