How to save money on auto insurance when children leave for college

Written by Ryan Lowell on January 14, 2011 & Posted in Insurance

Dear Ryan: My daughter is attending college, and doesn't have a car with her at school. Can I take her off of my car insurance policy?

Jay Davies, Portland, Oregon

Hello Jay,

As long as your daughter is a part of your household, and doesn't have a car and insurance policy of her own, she should remain as an insured on your policy. In most states, Personal Injury Protection (PIP) provides limited medical coverage to an insured on your policy if they are injured while using or occupying a car, or are struck by a motor vehicle while walking. If you take her off your policy your daughter loses this protection.

By keeping your daughter on your policy, she has insurance coverage if she has to rent or borrow a car. Finally, keeping her on your policy means she is continuously insured, which could result in lower premiums when she does leave the nest and gets her own policy.

If she's not driving, you can save money. Many auto insurers recognize that a child away at college does not have regular access to a car, and will reduce your premiums. The driver must be away at school, and a minimum distance from home; typically 120 miles or more. If she takes a car to school with her, you need to notify your auto insurance company and you are likely to lose the discount.

Make sure your daughter keeps her grades up! Good student discounts are usually the single biggest discount available to young drivers.

Ryan Lowell

SHARE THIS STORY

Featured Insurance Companies

Insurify™️ - Virginia Drivers Can Save Up to 50%

  • The easiest way to compare 20 real quotes from top brands
  • Prices starting from $29/mo
  • Trusted by more than 4 million drivers - 4.9 star reviews
  • As seen on Fox News, WSJ, Forbes, Fortune Magazine

Ask Our Expert

View All

Q. Will my policy pay off my car loan if my car is totaled?
A. An explanation of what happens if your car is totaled out when you still owe money on your car loan or lease. Read More

Q. Will car insurance cover my stolen personal items?
A. If someone steals personal items from your car, will car insurance cover those items? Read More

SHARE YOUR THOUGHTS

Required parameter not set.
Request a Quote for:
Go

Recent Insurance Stories

View All
If my car is totaled will my loan be paid off?
An auto insurance expert fields a question from a consumer who wants to know if their insurance policy will pay off their car loan if their car is totaled out. Find out what happens with your car loan if your car is declared a total loss. I totaled Read More...
  • Are my personal items covered by car insurance?
  • Find out how an SR-22 certificate of financial responsibility relates to your car insurance policy.
  • Find out whose insurance pays if you lend out your car and a friend causes an accident.
  • What is uninsured motorist coverage and do you really need it?
  • Featured Insurance Companies

    Cheap Auto Insurance - Save up to 40%

    • Top Rated Insurance Companies
    • Bundle Home & Auto for additional savings
    • Save up to 40%
    • Get Started Now!