I always assumed the “good student” discount on car insurance was a given if you had decent grades, but apparently not all companies see it that way. My agent wanted my actual transcript (not just a report card), and then they said it only counts if you’re a full-time student taking at least 12 credits. I’m part-time this semester because of work, so… no dice. Kinda frustrating since my GPA is still solid.
Has anyone else run into weird requirements for these discounts? Like, do some companies care more about your age or what school you go to? Or am I just unlucky with my insurer being super picky? Curious if there’s a way around this or if it’s just one of those “fine print” things you can’t really fight.
Yeah, I’ve hit that wall too. My insurer wouldn’t even consider my grades since I’m over 25 now, even though I went back to school. Some of these discounts feel more like marketing than actual savings… Fine print gets you every time.
Yeah, the age cutoff is a sneaky one. I’ve seen a lot of folks surprised by that—like, you’d think being a good student would count no matter your age, right? But nope, the system’s got its own logic. Honestly, sometimes it feels like the discounts are just there to get your hopes up. Fine print is basically my nemesis at this point...
Yeah, I ran into that too when my kid was in college. We thought the “good student” thing would help with her rates, but then they hit us with the age limit. Made me wonder—if someone’s still a full-time student at 25, why shouldn’t they qualify? I always feel like there’s some catch buried in the paperwork. Ever notice how every discount has a weird little loophole? Makes me double-check everything now...
Yeah, I ran into that too when my kid was in college.
Honestly, the hoops they make you jump through are ridiculous. Here’s what I learned: 1) Always ask for the exact requirements before you even bother gathering paperwork. 2) If you’re not full-time, they won’t budge—doesn’t matter if you’ve got a 4.0. 3) Age caps are real, and some companies cut off at 23 or 24. I’d say don’t waste time arguing with the agent; just shop around. Some insurers are a little less strict, but most play by the same rulebook. Fine print wins every time.
