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Car Insurance for Your College Kid

Jul 31, 2013

When the young adult in your family finally gets a car, it’s time to start shopping for auto insurance. You’ll have several options to pursue, such as adding that new automobile to your insurance policy, or you can buy a separate one.

Moving

Once the young person goes off to college, it’s important to let the insurance agent know about the change of address. This is especially true if the move is to a different state, where insurance laws may be somewhat different.

How much driving?

The student might want to increase car insurance coverage or reduce it, depending on whether the plan is to go away to college, or commute to a nearby campus. There will be a good opportunity to save a few dollars if the car is staying parked at home while the student is off studying at a distant campus. If the college is at least 100 miles away from home and the car sits in the driveway unused, alert your insurance agent. You may qualify for a “resident student” discount, and that could add up to substantial savings.

The commuting option

For the commuting student who expects to cover a good number of miles driving back and forth to campus over the course of a school year, you might want to think about adding a bit more coverage. You will feel more secure knowing that an unforeseeable mishap, such as a fender-bender, won’t put the student’s car out of commission for an extended period of time.

Rewards for being studious

Many high school students are used to getting a break on their car insurance when they get good grades. The good news for college students is that those same discounts are often available to young motorists pursuing secondary education, as well. In fact, many insurers will continue to offer discounts to college students who maintain a specified grade level up to age 25.

Planning ahead

Each student’s situation is different, and thus requires an individual assessment to plan and secure the best possible coverage. It’s a good idea to speak with your insurance agent and discuss the options. You’ll feel more secure, and besides, you just might save some money, too.

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