New College Students and Auto Policies: What Parents Need to Revisit Before Move-in Day

Sending a child off to college is a milestone worth celebrating, and it also brings a practical to-do list that often includes a close look at your auto insurance policy. Before you load your vehicle and head to campus, take time to review your current insurance and confirm your child has suitable coverage for the school year ahead.

Where Your Student Will Keep the Car

Whether your child is bringing a car to campus or leaving it at home, the location matters to your insurer. A vehicle stored at a college address may be rated differently than one parked in your driveway. Notify your agent of any change in the car’s primary location so your policy accurately reflects the situation.

Discounts That May Apply

Many insurers offer discounts for college students, including:

• Distant student discounts when a student attends school a certain distance (e.g., over 100 miles) from home and does not bring a car
• Defensive driving course credits
• Good student discounts, typically available for those who maintain at least a “B” average

Ask your agent which discounts your student may qualify for under your current policy.

Coverage Limits and Liability

College-age drivers may be more likely to be involved in accidents than older drivers, which makes reviewing your liability limits and policy details a worthwhile step. Consider whether your current limits offer adequate coverage if your student causes an accident, and ask about options to strengthen coverage where needed.

Contact Axcess Insurance Before Move-in Day

Contact Axcess Insurance before move-in day to review your auto insurance policy and make any updates. We proudly serve families in Salt Lake City, UT and are here to help you start the school year with confidence.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.