Car insurance while away at college

[Anonymous]

Anonymous wrote:

Anonymous wrote:How long can we have our adult child on our car insurance? Recently college graduate but no car of their own in the new state.

USAA just told us we can only keep him on our policy if he is a dependent.

We have USAA and our car insurance has been declining every year since our first went to college (from quite high rates with two driver in HS).

You are required to keep them on the policy unless you can prove they have their own separately, but you get a discount if they are at least 100 miles away

I can only assume you also get discounts as they get older as well and maybe there are step discounts when they turn 18, 21 et al

[Anonymous]

Our policy was cut in half

[Anonymous]

Anonymous wrote:Question for parents whose college bound students are not bringing a car and not planning to drive while away. Do you cancel insurance or does your provider have an option for suspending?

You dont cancel but you call your insurance company and tell them they are away at college. It will drop, but not all the way, because they know your high-risk kid (all college students are in this category) will likely drive on breaks. You can get a good-grade discount, so make sure you apply for that (in HS and through college)

[Anonymous]

We get a discount if they are >100 miles away at school with no car.

[Anonymous]

Anonymous wrote:We get a discount if they are >100 miles away at school with no car.

+1

[Anonymous]

USAA wouldn’t let us pause or cancel coverage for out of state over 100 miles away for DD at college. Good student discount for grades over 3.0 or 3.5. But discount was very minimal amount.

[Anonymous]

Anonymous wrote:

Anonymous wrote:How long can we have our adult child on our car insurance? Recently college graduate but no car of their own in the new state.

It varies by insurance company. Call yours and ask their policy. At our insurance company, they can only be on our policy while still living at our residence.

We had to get our adult kid their own policy. We live in different states so she was no longer covered under ours.

[Anonymous]

We do t do anything for the kid 2,000 miles away at college. The discount is negligible.

[Anonymous]

Our insurance has the college kid away program. It was a decent discount.

[Anonymous]

You’ll need to contact a local agent for your insurance company and give them the specifics. People posting here can only tell you their insurance company’s policy for their home state.

[Anonymous]

We have All State and removed DS from the policy when left for school. Add him back in when home for winter break and remove once heads back to school in Jan.

[Anonymous]

Anonymous wrote:USAA wouldn’t let us pause or cancel coverage for out of state over 100 miles away for DD at college. Good student discount for grades over 3.0 or 3.5. But discount was very minimal amount.

They don't pause or cancel it, but they do reduce the rate.

[Anonymous]

Anonymous wrote:

Anonymous wrote:USAA wouldn’t let us pause or cancel coverage for out of state over 100 miles away for DD at college. Good student discount for grades over 3.0 or 3.5. But discount was very minimal amount.

They don't pause or cancel it, but they do reduce the rate.

As long as they don't have a car at college.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:USAA wouldn’t let us pause or cancel coverage for out of state over 100 miles away for DD at college. Good student discount for grades over 3.0 or 3.5. But discount was very minimal amount.

They don't pause or cancel it, but they do reduce the rate.

As long as they don't have a car at college.

Just did this with Geico - reduced my monthly rate from $445 to around $245 ....wish I had done it last year!

[Anonymous]

I just called and it reduced my premium by $200 for the next six months.