Many insurers offer discounts for young drivers on a policy who are also good students. In most states, you'll get a discount of around 10% * on your Progressive car policy if your child is a full-time student, under 23 years old, and has a B average or better. When looking for the cheapest car insurance in San Diego, drivers have options. California has slightly higher average car insurance rates than the rest of the country, but San Diego drivers may still be able to find competitive rates below the national average.
According to research from Bankrate, State Farm, Geico and Mercury offer some of the cheapest average total coverage rates in San Diego. College students often get the best deal on car insurance and greater convenience when they stick with their parents' policy. To be eligible for these discounts, you'll need to be enrolled in your parent's or someone else's car insurance policy and not your own. In addition to standard auto insurance coverages, State Farm also offers optional emergency roadside service, car rental reimbursement, travel expense coverage, and coverage for rideshare drivers.
While San Diego drivers can purchase Geico insurance online or over the phone, the company does not operate any branches in California. Mercury offers fewer sponsorships than other insurance companies, so you may want to look for a different insurer if you want to customize your coverage. Depending on the state, you'll get a discount for all full-time college students on your Progressive car insurance policy if they're 22 years old or younger and enrolled in an educational institution that's more than 100 miles from home. For example, depending on the school's zip code, taking out a separate car insurance policy for the student may result in more affordable rates, but that could make it more difficult to share the car when the student is at home.
Some insurers also offer remote student discounts for college students who go to school and don't take a car. USAA offers all standard car insurance coverages, but only one optional protection, rental vehicle reimbursement coverage. College students, especially students who are still teenagers, often pay high car insurance rates because of their age and lack of driving experience. In most cases, college students can stay on their parents' car insurance when they go to school if you haven't moved permanently.
Even so, the insurer offers all standard car insurance coverages, plus optional emergency roadside assistance, emergency insurance, and rental vehicle reimbursement coverage. For this reason, Bankrate looked at a variety of features, in addition to cost, to find the best cheap auto insurance companies in San Diego.