<p>I'll be going to an out-of-state school next year, so I will not be driving at all during the school year. However, I do plan to drive during winter break and summer break when I return home. So, I was wondering what to do about car insurance? Is it a waste of money to keep my car insurance for the entire year?</p>
<p>Call them and see. My insurance dropped to just a couple hundred bucks my first two years of oos college when I didn't take my car down. Just call and explain your situation...they'll give you a new quote.</p>
<p>yeah, you can switch to a monthly pay plan. cancel it when you're at school and then just pay for when you're home, month-by-month</p>
<p>Also, if you are driving very few miles, it can lower your rate. I'm sure that insurance people deal with this quite often and know the best thing to do. Give them a call.</p>
<p>Do you have your own policy or are you on your parent's policy? My daughter's car is on the family policy to get things like multi-car discounts and so on. My insurance (USAA) significantly decreased the liability cost of coverage, but their criterion was that college was more than 100 miles from home, not just out of state.</p>
<p>I also know someone who dropped their comprehensive coverage when no one was driving the car. Someone broke into the car and and stole the radio. The loss wasn't covered. </p>
<p>If you don't have your car with you, someone needs to drive it every now and then. I drove my daughter's car every two weeks or so to keep the battery charged and to keep the brakes from building up gunk. If someone is going to be driving the car, it needs some type of coverage.</p>
<p>I think you should talk with your agent to get the best advice on what to do.</p>