College is a beautiful part of our life. And in college, every student dreamed of going to college in their vehicle like a car. But in reality, we know that only a few students afford a car to buy. Many have a car but can’t afford other expenses like car insurance. Here, we briefly discuss how to get car insurance for college students away from home.
Usually, parents get ensured about what to do with car insurance for college students away from home. Because if you remove them from your policy, they will no longer have the coverage. And if you don’t remove them, you may be paying a higher rate, even if they drive occasionally. This article discusses car insurance for college students away from home and many more. So, read along!
What Is Car Insurance For College Students Away From Home?
Need for car insurance for college students away from home is required when their parents decide to leave a child on their policy. Even when the child lives on campus, you may have to reevaluate your car insurance needs and policy if your child goes to college away from home.
If you don’t have a car, you can apply for free cars for college students’ programs. Generally, the insurance rates get higher when a policy includes a driver coverage whose age is under 25. Here, a question might come to your mind can college students stay on their parent’s car insurance? Don’t worry; we discuss it further in this article.
Additionally, most insurance company ies consider drivers aged between 16 and 25 years to be high risk. And this is the reason why car insurance for college students away from home gets high insurance rates. So, if you are currently paying for a teen driver and including his or her coverage with your policy, then it might be time to reconsider your requirements/needs, especially if he or she is away from home.
But it doesn’t mean that you should decide to remove your college child from your policy. So, how to decide when we should draw a college student from your approach and when to keep a college student on your policy? So, here is a small guide for you that will help you decide whether to keep or remove a college student from your policy.
When To Keep Your Car Insurance For College Students Away From Home?
Some situations would keep your college child on your policy. Some of them are :
- if they live at home but commute to college.
- If they travel home often or attend college less than 100 miles from their home.
- And if they have their vehicle with them while at college.
- Also, if you pay their bills.
Being a parent, you may also choose to keep your college child on your policy in case of an emergency. And if they don’t often drive, keeping them on your policy in an emergency is the right decision. Additionally, if you can take responsibility for their bills, you can keep your college child at your policy.
When To Remove Your Car Insurance For College Students Away From Home?
Here, ValuePenguin recommends some situations that might consider you to remove your college child from your policy. Some of them are :
- If your college child travels more than 100 miles from home to attend college.
- And if your child will not be bringing a car to college.
However, you can add your child to your policy when they get a long break from college and after graduation. After removing your college child from your policy, you have to consider how they will get around on campus. And after getting removed from the policy, your child should avoid driving any friend’s vehicle.
Can College Students Stay On Parents’ Car Insurance
Yes, you can stay on your parent’s car insurance policy. If you are a listed driver living at home or a full-time college student, you can also get coverage from your parent’s insurance policy. In short, the arisen question “can college students stay on their parent’s car insurance” The answer is surely yes. Unlike health insurance, there is no age limit for you to stay on your parent’s car insurance. If you move out permanently, you must have your car insurance policy.
Some parents buy cars in the name of their college child. Then, in that case, another question is raised “can college students stay on their parent’s car insurance if the car is in their child’s name?”. So, it completely depends on the insurer and state. You may or may not be able to add your car to your parents’ insurance if you live with them or keep your vehicle at their house. But, if you are leaving home, you need your insurance car policy.
Car Insurance For College Students Out Of State
Here is a small guide to car insurance for college students out of state. So, students who move out of state don’t necessarily need new car insurance because most colleges limit freshmen to bring vehicles to school or college as it is not allowed for everyone. You can still be on parents’ policy. After contacting their provider, parents can add their college students to their insurance policy. They may ask you for the student’s ZIP code, credit score, age, and driving record with the make and model of the vehicle.
Having a student in your insurance policy may increase the rates. But fortunately, you take some advantage and discounts to keep rates down because there are some available discounts depending on the student’s university and grades.
Conclusion
Car insurance for college students away from home is essential. Students have two choices. The first one is to stay on their parent’s car insurance policy. And the other one is to have a car insurance policy. But there are some disadvantages and advantages on both sides. All you have to do is research well about car insurance policies, rates, and terms and conditions. In this article, we briefly discussed what car insurance is for college students away from home. Additionally, two quick questions discussed were “can college students stay on parents’ car insurance?” and “Car insurance for college students out of state”.
