A child lives in the college dorm and does not drive any car but the parents auto insurance premium is triple high with this child included than the parents only premium. The auto insurance does not remove the none driving child from the parents auto insurance. Are there any tips to remove the none driving child from the parents’ car insurance? Thank you for your answer.
Call your insurance agent. They sent us a form to fill out. Once they received the form, the college kid was not removed from the insurance but we received a discount for them being away from home.
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Does this child drive the car when home for school breaks and/orthe summer? If so I would keep the student on your insurance. Many insurance companies offer a slightly discounted rate when students attend college a certain distance from home.
Other than that I’d call your insurance broker/company.
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I get a discount for my students who are over 100 miles away. Otherwise they stayed on.
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Good luck! Our kid was in the Peace Corps for two years…several thousand miles from here. And PC does not permit their volunteers to drive. It took us months and months to convince our insurance company that this kid would not be driving at all. We had to send certified documents about her PC assignment, and their restrictions on driving.
Otherwise…they claimed we had to keep her insured because technically she was a resident of this state with a license…and licensed drivers have to be insured🤦🏻♀️
We are in California and just switched to 21st century for our auto insurance. They made it super easy to exclude our licensed student driver and also make it easy (and free) to include him when he is home on breaks.
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You need to check YOUR state guidelines and you need to check with your insurance policy. Some policies do not have an away at school discount. Some have a small reduction, and some allow students to be excluded. You need to find out what your policy allows.
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My insurance also makes it super easy to exclude my child from the insurance when she is at school (less than 100 miles away). We both need to sign (electronically) to get her excluded and she can’t drive at all when excluded. When she returns home for vacation I just call and they add her back on. Then when she leaves again I call and they send us the forms to sign again. As soon as the forms are signed by both of us through DocuSign I get a notice the policy has been updated (via email) so it’s usually within hours of calling. Eventually I also get an updated policy in the mail so it’s a lot of paper. The savings are substantial so it’s worth the mood inconvenience of having to call each time. I have heard it’s not so easy fir most people so I’m grateful to my insurance company. They don’t care that she’s less than 100 miles away since we both sign she won’t drive while excluded.
Thanks for the tip. When you switched the insurance company, did you include your kid at the time of switch or added your kid after the new policy went into effect?
Could you disclose which insurance company?
There are a lot of choices to shop for the auto insurance. The parents do not have to stay with one insurance company.
I agree, the parents (including this OP…you) can get different insurance. But do check your state to see if licensed drivers need insurance. Also, we were told that because we had a third car, our kid had to be insured (while she was in the Peace Corps).
We did get an away at school discount for our kids when they were in college. It wasn’t much, but every penny counts.
This is what we have done. Will be adding son back on when he comes home for 6 weeks at Christmas. Did it all over the phone.
We told them that we had a licensed driver who was in a different state and not driving while he was away and they just didn’t include him on the policy. (They may have specifically excluded him, I can’t remember). They also said we could add him back on, for a month at a time, four times each year for free. That sounded great to us! They were also much less expensive a policy than others that we compared them to – and when we googled them they seemed reputable. Of course, please comfirm all of this for yourself – this was only my family’s experience.
Our insurance company sent us forms requiring us to either include or exclude our kids just before they became of driving age. We excluded both since neither is yet that interested in driving. We did confirm that they could be added back at any time.
Given the costs involved, it seems worth changing insurers if they require you to pay while your child is away.
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Had your kids already had their drive license when you requested exclusion? Do you have more than two cars?
What happens if you remove the student and they drive friends’ cars at college? My 3 oldest were less than 2 hours from home, and nor I have one 12 hours away and one 4 hours away, they’ll be home for the 3rd time this semester this month, very short visits this fall.
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I think that would be problematic. My son knows he can’t drive anything unless he is activated on our insurance.
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We are in California but she went to school in NY. We received the discount but our insurance agent asked us if she would be riding in a car while in NY. I told her that I didn’t know.
She said that if she rides in a car and that car is in an accident, the liability is on the driver.
But, if the driver’s insurance doesn’t cover enough liability, then our insurance would pick up the additional costs if she stays on the insurance.
Our insurance rates were expensive, but were not so expensive that we wouldn’t consider taking them off, especially when they were students and had no means to cover their car insurance.
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My kids hadn’t started learning when required us to decide. It wasn’t obvious to me how they knew their ages. But I guess we must have given them that info when we first got the policy.