Should I Keep My Child on My Auto Policy if They are Away at College?

Your child is finally heading off to college, but what does this mean for your auto insurance? If your child is away at college without a car then do they need to stay on your policy? The answer, like so many when it comes to auto insurance coverage, is somewhat complicated.

Do you still insure a college kid without a car?

It seems counterintuitive to keep your child on your auto insurance policy if they are away at college without a car, but many auto insurance companies will require that you do just that. Even if you do have to keep your child who is away at college on your policy, then you may still be able to reduce the amount that you pay for your auto insurance.

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The reasoning behind this continued inclusion on the policy is that many college kids return home and drive the car, either on weekends, or at least on holidays. Insurance companies just want to make sure that the coverage is there when it is necessary.

How you can reduce auto insurance costs when you have a college kid?

There are a few ways that you may be able to secure a reduction in your auto insurance payments. If your child's college is a certain distance away, often 100 miles or more, then you may be able to obtain a discount. The same is true is your child was listed as a primary driver on the policy. However, statistics show that 29% of drivers under 19 are involved in an accident, and 18% of licensed drivers 20-24 years of age are involved in accidents; so it's possible that reducing coverage for your college student (or raising deductibles), will help you save on coverage.

Request a free quote for auto insurance to get your student child covered today!