As a student, money is small, and miscellaneous insurance is often cut out in trying to maintain the budget as SU receiver. Some assurances you can not do without. That is partly compulsory to have a liability insurance for his car. Then you are among the many students taking the car for your school, here are 5 tips on how to get a cheap car insurance .

1.Selvrisiko vs. insurance premium
The deductible is the factor that has the greatest impact on the price. The deductible is the price you have to pay in the event of damage to your car. The insurance premium is, however, the price that you pay to have your car insured.

If you choose a high deductible, and thus a low insurance premium, we recommend that you put money aside for unexpected damage. In this way destroys deductibles not your finances, and you pay a low price for your car insurance.

2. Compare prices
Once you have made up your mind what kind of insurance you need for your car (comprehensive insurance, glass coverage, etc.), you can start to compare the prices of different insurance companies.

This can be be done in comparison services, such as Mikonomi.dk . The price is normally calculated based on your age, your driving-related experience, where you live (the amount of traffic and the risk of injury), vehicle type and the aforementioned excess.

3. Negotiate with your insurance
The prices you find online, or by contacting your insurance company may in certain cases well negotiated down. There is usually a volume discount if you collect all your insurance and similar activities of one insurance company. This can, for example. be your contents and electronics insurance.

4. Consider what car you want insured
Are you just started on your new program, and you stand and have to buy your first car? So, it pays to consider which car you should buy. A small, used car, for example, less expensive to insure than a high and new car. The distinction between a large and a small car goes usually by 75 hp (horsepower).

If you buy a car with a low value, you'll even consider cutting hull insurance from. Kasko insurance covers damage that may come in your own car, for example in case of theft or an accident.

5. Make your own car insurance
It may seem tempting to get your parents to pay for your car insurance. Their budget is bigger than yours, and they have over the years earned a great seniority, giving them a cheap car insurance. But do not be tempted. It is illegal and punishable, if you as the owner of the car, but not as the owner of car insurance.

Your first car insurance will always be the most expensive. But the earlier you have, the more seniority you have earned. With a high seniority can achieve the status of elite motorist when you get older and thus get great discounts and benefits.

Written by Helle shield Elmelund, communications assistant Mikonomi.dk