There are many factors that auto insurance companies take into account when deciding on a rate for an individual.
Age is a major factor, and unfortunately the younger you are, the higher your rate will be.
However, many companies offer good faith discounts to students who are attending college who are also maintaining a certain grade point average.
Generally, the higher a student's GPA is, the better rate they can get on car insurance.
Many students attending college live at home or off campus in an apartment and must drive back and forth every day between school and home.
When deciding on which car insurance to purchase, remember that most companies will ask how many miles you drive each day or week between school and work.
The more miles you drive, the higher your rate will be.
This is a simple law of averages assuming the fact that the longer you are in your car driving, the more chance you have of being in an accident.
The solution to this is to simply try to move closer to your school, or better yet somewhere on campus.
Keep an eye out for deals from insurance companies at the beginning of the school year; this is the time that they will likely be running promotions, so try take advantage of them to save some extra money on your policy.
Students who have had no moving violations (speeding tickets, etc) or accidents will always pay less for car insurance.
This rule actually applies to anyone who is in the market for a policy.
These safer drivers are rewarded with cheaper rates because they are less of a risk to themselves and other drivers while out on the road.