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Most kids who are in college are on their parents’ insurance policies, because it’s cheaper that way. If you live in the same house, you won’t have a problem staying insured. If you don’t live with your parents, though, you may have more of a struggle staying on their insurance. Of course, that depends on whether the car you’re driving is yours entirely, or whether it’s a car that belongs to your parents. The best way to get information about student coverage is to talk to us.
As an independent agent, we can look at several companies that offer you coverage in the Washington DC area. That way, you can compare one company to another and see which one will provide you with the most benefit and will give you the best option for staying insured. Your age will be a factor, but most college students are still in the age bracket where they can stay on their parents’ insurance policy. Be honest about your needs and goals, and let us find you a policy that will work for everyone involved.
The easiest way to stay insured on your parents’ auto insurance is to drive a car that they own and allow them to insure that car with you as an occasional or part-time driver. If the car isn’t in your parents’ names (whether or not your name is on it), you may find that it’s much harder to insure it on their policy. That will be even more of a consideration if you’re going to school away from home and not living with them, because that means the car will be somewhere else, as well. Most insurance companies don’t care for that arrangement, and that’s something you’ll need to carefully consider.