Anonymous
07/26/2025 11:33
Subject: Car insurance while child is at college
Anonymous wrote:I called my auto insurance and just learned our car insurance would drop by more than a half with kid at school with no car. Is that typical? Feels too good to be true.
If your kid is at school more than 100 miles from home without a car, yes the rates typically drop a ton. For first kid (male--2K miles from home), rates drop by 50% as they had a car "assigned to them" That $1500 decrease more than paid for any Uber/Lyft rides that were needed by not having a car
Anonymous
07/26/2025 00:15
Subject: Car insurance while child is at college
Anonymous wrote:Who is your insurer? I did called last year. Our kid being more than 100 miles away without a car saved us a whopping $75 a year. (He is still covered when home.)
Geico. I asked if he would still be covered when he came home from school. She said yes, including the summer. She didn’t ask me here even though he will over 600 miles away.
Anonymous
07/25/2025 23:32
Subject: Re:Car insurance while child is at college
Anonymous wrote:Anonymous wrote:Most policies will cover a visitor on your policy. Aunt Lara takes the car to the store and is in an accident she will be covered. But, if you take your college student off the policy and they drive your car they will NOT be covered because their legal residence is your house. If they are coming home for a 2 week break then add them on and take them back off when they go back to school.
I think that only works if Aunt Larla is on her own insurance. Then it is another insured driver borrowing your car.
DP. No that’s is not how it works. Anyone can borrow your car with your permission and be covered by your insurance as long as it is not a regular use. They don’t need to have their own insurance. Or if they have, yours is still primary.
Anonymous
07/25/2025 21:52
Subject: Car insurance while child is at college
Who is your insurer? I did called last year. Our kid being more than 100 miles away without a car saved us a whopping $75 a year. (He is still covered when home.)
Anonymous
07/25/2025 21:48
Subject: Re:Car insurance while child is at college
Anonymous wrote:Most policies will cover a visitor on your policy. Aunt Lara takes the car to the store and is in an accident she will be covered. But, if you take your college student off the policy and they drive your car they will NOT be covered because their legal residence is your house. If they are coming home for a 2 week break then add them on and take them back off when they go back to school.
I think that only works if Aunt Larla is on her own insurance. Then it is another insured driver borrowing your car.
Anonymous
07/25/2025 20:25
Subject: Car insurance while child is at college
I was not asked for any documentation my kids moved away after college.
Anonymous
07/25/2025 19:41
Subject: Re:Car insurance while child is at college
Anonymous wrote:Anonymous wrote:Anonymous wrote:Most policies will cover a visitor on your policy. Aunt Lara takes the car to the store and is in an accident she will be covered. But, if you take your college student off the policy and they drive your car they will NOT be covered because their legal residence is your house. If they are coming home for a 2 week break then add them on and take them back off when they go back to school.
That is not what they are talking about.
It is a speific rate for college kids who live at least 100 miles away, don't take a car to school, and only drive at home on breaks.
The discount is significant.
When they take the car to school the rates go even higher
We did not find this to be true.
We had been advised to let them know the car would be in another state, when we called to do so, our AllState agent said they didn't need that information.
Depends where they go to school. Our daughter is in Jersey and it was $$$ plus GEICO told us we had to have a special NJ policy just for her separate from ours.
Anonymous
07/25/2025 19:23
Subject: Re:Car insurance while child is at college
Anonymous wrote:Anonymous wrote:Most policies will cover a visitor on your policy. Aunt Lara takes the car to the store and is in an accident she will be covered. But, if you take your college student off the policy and they drive your car they will NOT be covered because their legal residence is your house. If they are coming home for a 2 week break then add them on and take them back off when they go back to school.
That is not what they are talking about.
It is a speific rate for college kids who live at least 100 miles away, don't take a car to school, and only drive at home on breaks.
The discount is significant.
When they take the car to school the rates go even higher
We did not find this to be true.
We had been advised to let them know the car would be in another state, when we called to do so, our AllState agent said they didn't need that information.
Anonymous
07/25/2025 19:13
Subject: Re:Car insurance while child is at college
Anonymous wrote:Most policies will cover a visitor on your policy. Aunt Lara takes the car to the store and is in an accident she will be covered. But, if you take your college student off the policy and they drive your car they will NOT be covered because their legal residence is your house. If they are coming home for a 2 week break then add them on and take them back off when they go back to school.
That is not what they are talking about.
It is a speific rate for college kids who live at least 100 miles away, don't take a car to school, and only drive at home on breaks.
The discount is significant.
When they take the car to school the rates go even higher
Anonymous
07/25/2025 19:11
Subject: Re:Car insurance while child is at college
Anonymous wrote:Most policies will cover a visitor on your policy. Aunt Lara takes the car to the store and is in an accident she will be covered. But, if you take your college student off the policy and they drive your car they will NOT be covered because their legal residence is your house. If they are coming home for a 2 week break then add them on and take them back off when they go back to school.
It doesn't take them off their policy
Anonymous
07/25/2025 18:48
Subject: Re:Car insurance while child is at college
Anonymous wrote:Most policies will cover a visitor on your policy. Aunt Lara takes the car to the store and is in an accident she will be covered. But, if you take your college student off the policy and they drive your car they will NOT be covered because their legal residence is your house. If they are coming home for a 2 week break then add them on and take them back off when they go back to school.
That is not what my insurance told me. They said if the kid drives my car occasionally like a few times while visiting from college they would be covered. They also said if I put them on the policy it won’t be easy to take them off as they would require documentation that their residence changed.
Anonymous
07/25/2025 18:30
Subject: Re:Car insurance while child is at college
Most policies will cover a visitor on your policy. Aunt Lara takes the car to the store and is in an accident she will be covered. But, if you take your college student off the policy and they drive your car they will NOT be covered because their legal residence is your house. If they are coming home for a 2 week break then add them on and take them back off when they go back to school.
Anonymous
07/25/2025 18:26
Subject: Car insurance while child is at college
Anonymous wrote: The alternative is to drop the kid off completely. They would still be able to occasionally drive your car when visiting just not everyday.
How would they be able to occasionally drive when visiting? They aren’t on the policy unless you add them back when they visit.
Anonymous
07/25/2025 15:35
Subject: Car insurance while child is at college
I don’t know about more than half but it is a significant discount if a kid is at a college at least 100 miles away. I also have it. The alternative is to drop the kid off completely. They would still be able to occasionally drive your car when visiting just not everyday.
Anonymous
07/25/2025 15:23
Subject: Car insurance while child is at college
I called my auto insurance and just learned our car insurance would drop by more than a half with kid at school with no car. Is that typical? Feels too good to be true.