Life Events Affect Your Insurance Needs

Kids Going to College

At last! No more fights about borrowing the family car -- it's finally all yours again, or is it? This is a good time to reexamine your auto insurance coverage. You will want to make sure that your child is still a named driver on your policy if he or she will be driving your car on school breaks or during the summer. Your child also needs auto insurance if he or she will be using a car of his/her own while at school.

Your child may be listed as a "named insured" on your car insurance policy. If so, you are already familiar with the fact that single drivers under the age of 25 are among the riskiest drivers (and the most costly to insure). In some cases, it can be less costly to buy an inexpensive car for your child and set them up with their own insurance policy, rather than allow them to continue driving your cars as a named insured under your policy. With an older automobile, your child may waive collision and comprehensive coverage. Once the child is no longer carried on your policy, your rates may go down significantly.

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