A: If you’re smart and/or dedicated, you can do anything. Sometimes it seems like students have everything up against them when it comes to high SR22 rates, which have increased prices because of their age, but they also have a couple of options available to them which older people don’t.

First of all, where do your parents live? If the answer is “100+ miles away from where I go to school”, then you may be in luck. There is a discount offered by many car insurance companies for those in this very situation, but you have to meet some requirements.

First of all, if you have your own insurance policy, then you would need to drop that and get your name on your parents’ policy. Then–and here’s the hard part–you would have to leave your car with them when you go away for school every semester. You would still be able to drive your own car when you go home, and your parent’s insurance would kick in after the car’s insurance if you occasionally drove a friend’s car.

You should also look into some of these common discounts.

1. Good grades for students

2. Membership at a credit union or bank

3. Good driving history credit – no accidents or tickets (does not apply to you)

4. Military personnel discount

5. Raising your deductible amount to as high as you can