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Car Insurance for College Students

Once again its your neighborhood friendly & informative auto insurance agent from The General Insurance. I was recently asked about college student car insurance coverage. Hopefully this covers some auto insurance concerns.

A student heading off to college means living on their own, new friends, and new adult responsibility. One way to ease the mind is to make sure your student car insurance is up to date so your protected. General auto insurance shares some great car insurance options for college students. 

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Parents Insurance

In general, you can remain on your parent's policy if the following apply to you:

  • You are partial or don’t own/have a title for the vehicle you drive.
  • You still live with your parents.
  • You are a full-time college student and your parents’ address is still your primary residence

The benefits to remaining on your parent's auto insurance policy include:

  • You will pay lower rates.
  • You will keep long term coverage, which means you'll receive cheaper insurance when you pursue your own auto insurance

Having Your Own Student Auto Insurance

If none of these apply to your situation, your wondering whether you need your own student car insurance now that you're away from home. It depends on where you'll be living while at school & the name the vehicle is under you'll be driving.

One of the first things you need to do before moving is to contact an insurance provider. As you looking for a new insurance provider, here are 4 important questions to ask:

  • Is there a good student discount available?
  • Is there a resident student discount?
  • Can I bundle my auto & renters insurance?
  • Are there clean driving record discounts?

Check State Minimum Auto Insurance Requirements

If you are pursuing out-of-state college, you must first make sure your car meets your new state's insurance requirements. Compare at least 3 insurance quotes. Policies vary by state, as each state sets its own minimum liability requirement.

It's well known that some car insurance providers will offer "resident student discounts" to students who are attending college 100 miles away from their parent's homes.

If maybe your solution is to just leave your car behind, parents could always list you as an "occasional" or "pleasure-only" driver.

No matter what your decision is we here at, The General Car Insurance are here to help you. Our agents are here to make this student auto insurance coverage transition as smooth as possible, at the same time saving you money with the best college auto insurance rate.

Call today 1-800-771-7758 for a rapid quote.

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