7 Responses to “Should I drop my daughter off auto insurance when she’s at college?”

1. Enchantress71 says:

   November 14, 2009 at 12:06 am

   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?
2. theresarose08 says:

   November 16, 2009 at 8:39 pm

   Drop her. And when she comes home have her buy her own car insurance. Like most people who aren’t handed everything in life.
3. One Step Ahead says:

   November 17, 2009 at 1:00 pm

   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.
4. bkroberts007 says:

   November 19, 2009 at 12:25 am

   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.
5. mbrcatz says:

   November 20, 2009 at 6:49 pm

   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.
6. JAMES R says:

   November 23, 2009 at 6:50 pm

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7. Maeva says:

   November 24, 2009 at 6:14 pm

   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.