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  • What kind of insurance do I need in college?
  • June 24, 2015
  • college student insurance

    Auto insurance

    Another question a student needs to consider is how will he actually get to college?  And once he is there, how is he going to get around?  He may need a car. That means auto insurance.

    According to the Insurance Information Institute, many students are typically covered under their parent’s auto insurance policy, provided their primary address is the same as their parents. If the student is driving the car at school, the rates may change.  For example, a discount is often available if the college they attend is more than 100 miles away. Also, if the title of your car is transferred over to your child, they can no longer be insured under your auto insurance policy and will have to purchase their own.

    “You’d need to talk to your agent or insurance company representative to get definitive information on premium rates,” said Michael Barry, spokesperson for the III.

    Cliston Brown, Director, Public Affairs, Property Casualty Insurers Association of America, agreed, “The best course of action is to talk to your insurance company.  Make sure your adult child is properly covered, and get the benefit of any discounts.”

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