<p>Asking this for a friend.</p>
<p>Friend has All State Insurance. 4 drivers and 4 cars. Student at college 300 miles away
All State refuses to reduce rate for student 300 miles away. </p>
<p>Can you name your carrier, student distance and if you get a reduction and how much?</p>
<p>Student is more than 300 miles away. </p>
<p>Car insurance company listed her as an “occasional driver”. Meaning she is able to drive all cars while home on vacation and summer. </p>
<p>We are with State Farm. I cannot tell you the exact amount that we have saved. A believe it is around a few hundred or more a year.</p>
<p>Ditto. We also have State Farm. </p>
<p>Student did not have to reactivate her insurance when she came home for summers and holidays. Both were over 300 miles away and I had to provide proof the of their enrollment.</p>
<p>Discount was substantial (but I can’t remember how much exactly–it’s been a while) since both were full time drivers on their vehicles in high school.</p>
<p>We have Amica. They do the occasional driver deduction and also allow you to completely remove the kid and reinstate for when she’s home and driving I think twice per calendar year.</p>
<p>And, we are AAA. This changes if the kid takes a car to college.</p>
<p>Travelers Insurance, daughter is listed as an occasional driver, is enrolled in college.
Not sure of the amount of $$$ saved by us.</p>
<p>Donegal Mutual has a good discount for a student away at college. I forget the distance - I think is over 200 miles away. They have you fill out the form each year to keep the discount.</p>
<p>USAA. You must be 100 miles from home to receive the ‘away at school discount’. Our son is 80 miles from driveway to dorm. We could not get the discount his first year, although it did lower some because he turned 18. This summer we called to add our youngest (S3). We had the conversation again about changing S2’s status to ‘away at school’. This time we got someone with a brain who simply asked their supervisor, who told them to use their best judgement and make a notation. He now gets the discount. I couldn’t tell you the net discount as we added S3 and the two older boys turned 19 & 21, dropping their rates.</p>
<p>Erie, also with four cars and a kid about 300 miles away. I only saved about $100 on my $4,000 policy when a kid went off to college as an occasional driver. On the other hand, when that kid took a car to college I paid an additional $200-$300 to insure the car at school. </p>
<p>I decided to put the car in the kid’s name this year. The kid bought less coverage from Geico. I’m paying for the Geico policy, and saving about $400 by not having the kid on my Erie fleet coverage.</p>
<p>Ditto for State Farm - student (the “occasional driver”) was 200+ miles from home and did not have to reactivate during the summer. I know the savings were substantial - $400 or so per year?</p>
<p>GEICO is very good on this - substantial reduction (esp. w/ 2 in college far away!) and no need to reactivate during summer or winter break.<br>
(one of the many things I learned here at CC. :-)</p>
<p>We have Allstate and we get a discount for both of our sons who are away at school. We actually just called Allstate two days ago to tell them that S2 was more than 100 miles away. We faxed his schedule and they called us yesterday to say that the savings for him was $450 per year (he’s 18). We asked what the savings for S1 was, and it was $300 a year (he’s 23).</p>
<p>Nationwide does the occasional driver discount for students. Not sure if the miles from home matters. Saved about $200/ year for 3 cars.</p>
<p>We have AAA–they don’t have the occasional driver discount. What they do instead is exclude the student from the policy while away at college. When they are back for breaks or in the summer you have to add them back on. Anyway, for the rest of this year’s policy (which expires April 1), we’ll save around $600!</p>
<p>Also rec’d a reduction from Nationwide. (this thread reminds me to inform then that D2 is also going to school without the car).</p>
<p>^ Mom2jl’s post made me check.<br>
Our “AAA” policy is from American Commerce; offers two options: good student or student away. “Student away” means, in essence, away from the car they are linked to. No need for us to exclude and reinstate. Since Allstate claims to offer “Resident Student” and “Good Student,” and another poster is getting the benefit, maybe a re-check is simpler than changing insurers.</p>
<p>USAA. For the latest 6-month policy ($438), we received the following discounts for S:</p>
<p>Driver training discount 8.74
Occasional operator discount 29.32
Student away at school w/o a car 18.46
Total 56.52</p>
<p>We even received the “Student away at school w/o a car” discount his freshman year, when we only lived 42 miles from the school.</p>
<p>For New Jersey Manufacturers the student has to be 100 miles from home. Of course my daughter’s school was 98 miles away. Yup, that happened.</p>
<p>Have MetLife - it has to be 100 miles and she’s only 25 miles away. We do get a good student discount.</p>
<p>lookingforward, that’s very interesting about your AAA insurance. I guess it depends on where you live. In SoCal, we’re covered by the Interinsurance Exchange of the Auto Club and all they have is the exclusion thing. Somewhat inconvenient, but not worth changing insurance companies at this point.</p>