Car Insurance and College Students
Whether you’re headed off to college or one of your teens is flying the coop, it’s important to have the right auto insurance to accompany them on the road. From coverages students need to discounts they deserve, here’s what you need to know.
You may still be covered. If you’re under age 25, leave your car at home and go to school more than 100 miles away you are still covered under your parents’ car insurance policy. And this is great news! You’ll want to stay covered, even if you don’t plan on taking your car to school, for those times when you do come home and drive.
You may get a discount. There are a few different ways for students to get a discount on their car insurance. If they’re more than 100 miles away and the car stays at home, they could qualify for away at school discount. And good student discounts not only help save money but they encourage good study habits! There’s also a Teen Safe Driver discount that reinforces good driving skills. Contact your American Family Insurance agent to make sure you’re getting the student discounts you qualify for.
Rates could change. It all depends on your situation, but your rates could change. Whether you’re cashing in on the discounts your student is earning or you’re seeing a rise because the vehicle is now used in an urban area — a change is possible.
Commuters should review their coverage. If the student is going to be commuting and it’s going to add to the amount of time on the road, then it’s time to review your car insurance coverage so you’re confident in your level of protection. Your agent is happy to help.
College is an exciting time, full of adventures and educational opportunities. Keep aiming for your goals and we’ll help you protect what matters most.