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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.