Cars & College – What you need to know about auto insurance before your kid heads off to college

By: Advocate Brokerage



Once your child has graduated High School, a significant chapter has ended, but the beginning of another is just beginning.


As you begin to help your child make the transition to college, one area you need to take some time to evaluate is their car insurance coverage.


Living On Campus WITHOUT

A Car Check into the school’s policy on students having cars on campus as a freshman, many schools limit the number of drivers on campus. If they will not be taking their car to college, there are adjustments that can be made to your insurance policy that will lower the premium.


While you cannot remove them from your policy, they are still a member of your household even if they are no longer living under your roof while away at school. Your insurance carrier will require them to continue to be listed on your auto policy, but the good news is that there is a special classification that lowered the premium for students over 100 miles away at school without a car. We would be happy to have a conversation with you so we can discuss your child’s specific situation.


Living On Campus WITH A Car

If your child will be heading to school with their car, be sure you let us know. There are a few circumstances where amending the garaging address of the car could mean a lower premium. For example, if your family currently lives in an urban area with high insurance rates and your child is going to school in a rural area in the same state, it may make amend the garaging address because the insurance will be less expensive. For example, if you live in Westchester and your child is attending Cornell in Ithaca, it is less expensive to utilize their new address. Give us a call so we can have a conversation!


Find Out If Your Child Will Qualify

For A Good Student Discount, Certain carriers offer discounts if students maintain a specific GPA while attending school up to a specific age, typically 21 or 25. The grades required and the amount of the discount will vary by carrier so please get in touch with us to find out the specifics for you and your family.


As your insurance Advocate, we are here to offer advice during all of life’s transitions. We encourage our clients to call us when they have any questions, big or small! We will gladly provide all the information you need so that you can make well-informed decisions!

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