College Students and Auto Insurance Policies

While planning for the big transition from high school to college, students largely focus on dorm room furniture, making new friends, and choosing a major. They don’t spend much time dwelling on insurance considerations — but auto insurance is definitely worth addressing.

In some circumstances, students are able to remain on their parents’ car insurance plans. Others opt for their own insurance coverage. There is no one right solution for every situation; the following are a few of the most common approaches to car insurance in college.

Dropping Car Insurance Altogether

Depending on where your student attends college, he or she may not need a car on campus. But what happens when the fall and spring semesters end? When your student returns home, he or she will once again want to drive, making full coverage a necessity. Coverage is also essential if your student chooses to live at home and commute to a local community college or the University of Minnesota.

Sticking With the Same Car Insurance Policy

Students who drive their parents’ cars infrequently typically remain on the same plan that covered them as high school students. In doing so, they can take advantage of less expensive coverage while still enjoying full driving privileges whenever they return home. This is one of the most popular options for college students covered by Pizano Insurance serving Wayzata, MN.

A New Car Insurance Policy

Some college students desire total independence. Separate car insurance policies may prove preferable for those with their own cars who wish to break away. However, this approach is more expensive than sticking with an existing policy.

Car insurance does not have to be complicated when your teen driver leaves for college. Pizano Insurance offers a variety of options for families residing in and around Wayzata, MN. Get in touch today to learn more about college student coverage.




The Best Ways to Save On Your Home Insurance

You are not locked into the amount of money you pay currently for home insurance. There are different ways to reduce what you pay while living in Wayzata, MN, all without dropping coverage or increasing your deductible. At Pizano Insurance, we want to make sure you not only receive excellent home insurance but at a desirable price. 

Security System

A home security system is one of the very best services out there. It will keep your home safe and yet can also reduce your home insurance costs. With a connection to the local police and fire departments, you’ll reduce any chance of extensive damages in the event of a fire. It will also prevent break-ins, which in turn also cuts down on insurance costs. 

Smoke and Carbon Monoxide Detectors

It is a good idea to have these in every room of the house. These will keep you safe and also reduce insurance costs as fire damage is limited. Some smoke and carbon monoxide detectors can work in unison with the security system as well. 

Improve Utilities

If you have money for a home upgrade, consider having work down to the electrical or plumbing. In a dated house, these are often the most problem filled areas. By making these corrections and having the system updated you can see a drop in insurance costs. 

No matter the kind of home you live in or where in Wayzata, MN you call home, at Pizano Insurance we are here to assist in finding the right coverage at a price you can afford. So, if you have any questions regarding your home insurance or want to know if our company can help you save money, feel free to reach out and contact us at your earliest convenience.