Student Driver Discounts on SR22 Auto Insurance
Q: I’ve recently gotten my college degree, and since I can no longer get the good student discount on my Atlanta GA SR-22 insurance, I’m wondering if there is a new discount I could replace it with. Any ideas?
A: Great question. This depends on where you end up working and what kind of college degree you have. Companies such as All State, among others, have tailored their rates even closer to allow for cheaper or more expensive rates on your Atlanta GA SR-22 depending on your area of expertise.
At All State, if you have a degree in a math or hard sciences department, you can look at the possibility of cheaper Atlanta GA SR-22 car insurance rates. Eligible degrees include biology, engineering, statistics, physics, and more. All State justifies this 10% discount by saying science and math experts file fewer claims because they have personalities which stress attention to detail, and thus they drive more safely.
Another field related degree is the teacher’s discount you can get from joining a teacher’s union. It does cost to join the union, but what you save will cancel out what you spend, so in a way it’s like getting free union membership.
Do I Have To Pay For SR22 Auto Insurance if I am not Using my Car?
Q: Last year I got into an accident without insurance and now I have to get SR22 filing done. The problem is, right now I’m going through a difficult pregnancy and have to do bed rest. I work from home and don’t get out much, so my car mostly sits there. Do I have to keep paying?
A: If you intend on using your car at all, then you will need to keep up with your SR22 filing until the three year filing period is over. If you don’t think you’ll be using your car, call up your local Georgia DMV and ask about canceling your insurance and what the consequences will be. If you will use your car from time to time, you have options to decrease your payload.
One of these options is the low mileage discount, which suits your case very well. If you drive less than 5,000 miles a year, or less than 40 miles a day, depending on your company, most companies will offer you some kind of discount on your SR22 filing, ranging from 5-10%. Do a little bit of math to see if you drive little enough to fit this discount, but call your car insurance company first to see how they do the count.
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