Should I drop my daughter off auto insurance when she’s at college?
Question by astatine: Should I drop my daughter off auto insurance when she’s at college?
My daughter is four hundred miles away at college and doesn’t have a car there. She comes home between terms and uses our car. My auto-insurance agent says I don’t get a break even though for most of the year she doesn’t drive. I’m not sure it’s possible or practical for me to keep dropping her and putting her back for every vacation. Isn’t there a standard way that auto insurance companies handle students who live far away from home?
Thanks all of you for your answers. Just to clarify – My daughter does not have a car at school and does not drive there at all. The only time she drives is when she’s off school.
Best answer:
Answer by Enchantress71
Don’t drop her. What if she drive someone else’s car and has an accident? She could get sued and have a multi-thousand judgment against her. Why not have her pay for part of her insurance while she’s in school? Will she be working any part time jobs while in school?
What do you think? Answer below!
Tags: add and drop my children from mycar insurance, auto insurance, auto insurance drop for college, auto insurance kids don't drive, auto insurance rates decrease while child is in college with no car, can i drop a car off my insurance and insure it with someone else, can i drop my insurance if my car has insurance, can i drop someone on my car insurance, can i save money by not adding my kid to my auto insurance policy? lending policy, can you drop college student off of car insurance, can you put college students as part time drivers on insurance, car comercial kid drop off collegel, car insurance kids drop off, College, college student doesn't own car, college students with cars more than 100 miles away, daughter, daughter has own car can i take her off my insurance, do i have to keep my kids on insurance when away at college, do i need to keep daughter on auto policy when she is at college, do you hcar insurance for college kids home for summer, do you need to keep car insurance for college kid if not tsking a car to college, drop auto insurance college student, drop car insurance college student, drop college studetn from auto policy, dropping auto insurance for college students, dropping car insurance coverage on college students, dropping car insurance while at college, dropping college student from auto insurance, dropping college students from car insurance, dropping kids from your car insurance policy, dropping someone from car insurance, getting kids off car insurnace, how does a college student get auto insurance without a car, if my daughter goes away to college and is not taking the car, if my daughter i college student does shee need to be on my car insuran, is it necessary to have auto insurance on my daughter, kids on or off auto insurance policy, leave my daughter off my car insurance, part time car insurance for college, should i auto insure my daugher while she is away at college?, should i drop mu college student car insurance, student away to college car insurance, taking college student off insurance, taking kids off your car insurance, taking my college student off car insurance, taking students off insurance while at college, Terms, what insurance allows you take college students off policy, when can you drop kids from car insurance, why can't i drop my kids off of my auto insurance policy?, will my car insurance cover my daughter
Drop her. And when she comes home have her buy her own car insurance. Like most people who aren’t handed everything in life.
You can get a reduced rate because she is a part time driver, and you are a full time driver. If she drives someone else car at college she would be covered by their uninsured motorist cause.
There is not a way that auto insurance companies handle a situation like the one you describe other than to rate the driver in question as a part time driver as mentioned in the prior answer. It is like owning a summer home you can’t insure it just for the weekends or months you want to stay there. What happens if a tree falls on the roof on a week your not there? No insurance for that week of course not.
The same goes for your daughter and her auto insurance. You cant insure her just when she wants to drive unless you do strictly rental car driving. The best you can do is get classified as a part time driver that drives for leisure only. If the cost of the premium for your daughter is becoming too much you need to look into other ways to pay it. She is benefiting from the insurance but I am guessing has no job to help pay.
Something not mentioned is that rates for auto and property insurance varies by state and area. Some states have very high and some states very low auto insurance and your rate is based on where you live. You might look into getting a quote for coverage in the place where you daughter lives. If the area your daughter attends school is less risky for insurers then you can save money on the premium and she can get her own policy.
No.
For one thing, she might occasionally be driving a car there. For another, your carrier won’t allow you to add/drop add/drop – they’ll make you flat out exclude her from coverage. And many won’t allow you to do that, either. Blame it on all the parents that lie, and DO provide a car for the kids away from school.
Normally, most companies have an “away at school” discount they give to kids that are more than 100 miles from home, without a car.
making use of the SE such as google or yahoo to generate some ideas first if you would like to get the massive information,nonetheless if you would not want to put so much time,here http://www.AutoInsuranceFree.info/free-auto-insurance.htm is a direct and useful resource for your questions.
When I started college, my parents allowed be to remain on their insurance policy, BUT I had to pay for my portion of the cost every month. It was a compromise that allowed me to have less expensive insurance, but still forced me to be responsible for my expenses.
But I also lived with my parents during that time and when I eventually moved out of the house, my parents made me get my own policy.