If your child is still on your policy, they might have additional coverage, even if they are injured while riding in a car with a friend. If you are responsible for their bills, then it might make sense to keep them on your insurance policy.Įven if your child doesn't plan to drive while on campus, keeping them on your policy ensures they have insurance when driving home, driving a friend or roommate's vehicle, need to drive for an emergency, or are injured in an accident by another driver. Additionally, many parents assist their college children with bills. Even if they don't drive often, keeping them on your policy can protect them if they need to drive to receive medical care. Some parents might also choose to keep their child on their policy to protect them in the event of an emergency.
Situations where you would keep your college-age child on your policy include: When to Keep a College Student on Your Policy If they are no longer on your insurance policy, they should avoid driving a friend's vehicle. If you do decide to remove your child from your policy, it is important to consider what this means and how they will get around on campus. In some cases, you might be able to add your college child back to your policy if they come home during long breaks or after they graduate. If your child will not be bringing a vehicle to college.If your child is attending college more than 100 miles from home.ValuePenguin recommends a few situations where you might consider removing your college child from your policy: When to Remove a College Student From Your Policy
You might, however, need to assess how frequently they drive and if it makes sense to have them buy their own policy. This does not necessarily mean you should remove your college child from your policy.
College far away from home driver#
If you are currently paying for a teen driver who is away from home, it might be time to reconsider your needs.
College far away from home drivers#
Most insurance companies consider drivers between the ages of 16 and 25 years to be high risk. Insurance rates are usually higher when a policy includes a driver who is under the age of 25. You might need to reevaluate your car insurance needs and policy if you have a child who goes to college away from home. What Is Car Insurance for College Students Away From Home?Ĭar insurance for college students away from home is when a parent chooses to leave a child on their policy even if he or she lives on campus.
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