I hear you on the fine print—sometimes it feels like you need a decoder ring just to figure out if you qualify. I always double-check what counts as “good student” since every company seems to have their own definition. Has anyone actually had luck clarifying that with their agent, or do they just read the same script back at you?
sometimes it feels like you need a decoder ring just to figure out if you qualify
That’s the truth. I’ve had a few agents just rattle off the same “good student” line from their website, but one time I actually got someone who explained it in plain English. Turns out, for my policy, they wanted a GPA above 3.0 or to be in the top 20% of your class—whichever was easier to prove. But another company wanted “no grade below a B” on the last report card, which is a whole different thing.
Honestly, I’ve found it helps to just ask for the actual written criteria, not just what the agent says. Sometimes they’ll email you the official doc, and that’s way clearer than whatever they say on the phone. Still, it’s wild how much it varies. You’d think “good student” would be a standard thing, but nope... every company’s got their own secret recipe.
It’s wild how much the “good student” thing changes from company to company.
Couldn’t agree more. I remember when my kid was getting added to our policy, I had to dig up transcripts, a letter from the school, and even a screenshot of the online grade portal for one company. Another just wanted a quick email from the guidance counselor. Felt like I was applying for college again, not car insurance.You’d think “good student” would be a standard thing, but nope... every company’s got their own secret recipe.
Honestly, half the time I think the agents are just reading off a script and hoping you don’t ask too many questions. I’ve started keeping a folder with all the possible docs they might want—report cards, honor roll letters, you name it. Makes it easier when you’re shopping around, especially if you’re trying to stack discounts for military or classic cars on top of the student stuff. It’s a bit of a circus, but hey, every dollar counts when you’re insuring a teenager and a ‘72 Chevelle...
Honestly, I get the whole “keep a folder” thing, but sometimes I think we’re just making it easier for these companies to keep moving the goalposts. Last year, I spent an hour on hold just to find out their “good student” discount didn’t even stack with the military one like they promised. Feels like they’re just hoping you’ll give up halfway through. I almost did... but then my kid started driving and suddenly every penny mattered.
Man, I hear you on the folder thing—it’s like you need a PhD just to keep track of all the “special” discounts. And don’t get me started on hold music... I swear it’s designed to wear you down. But hey, you stuck with it, and that’s half the battle, right? Sometimes I wonder if they’re just hoping we’ll get tired and accept whatever rate pops up. Did you ever try asking for a supervisor? Sometimes they’ve got a little more wiggle room than the first person you talk to.
