<p>FWIW, I suspect we all have received differing advice because auto insurance law is very state specific. In fact, some states actually dictate what categories drivers can be put into. So it is entirely possible, indeed likely, that your advice will be different from mine, even with the same company.</p>
<p>Thanks to this posting, I checked with my insurance agent. CSAA (AAA for California) They offered DD something called "Non-exposure driver". We are required to notify them within 30 days of her leaving for college, and they reduce $ we pay. We only need to re-notify them if she will be here for 30 days plus.</p>