Lower car insurance rates may not be the first thing on your mind when send your teen driver off to college this year, but it is worth considering. The start of school is usually a time of feverish preparation and rushing to buy clothes, laptops and other study aids. According to Swinton, the UK's largest car insurer, this will be a pretty good time to find discount car insurance rates for yourself, your first-time away from home scholar, or your upper-division honor student.

With the economy in chaos, insurance underwriters want to capitalize on every opportunity to sell policies. By reviewing Billy's coverage right now, his good grades may pay off to the tune of a good student car insurance discount. Now is also the time to consider bundling the car and home policies.

Right now is the best time to renew or add a policy can save you considerable money. Shopping for lower car insurance rates at just the right time is one way to feel less of a bite from the recession when you consider the expense of sending Sally off in a new to bond with her sorority sisters.