When you have a child who is going off to college, you may as well be prepared for a great many changes in your life. The person whom you have raised, cared for and loved for the past 18 years will no longer be living under your roof. You will not see them every day or get to spend a lot of time with them anymore. Even though you will not have to buy as much food or pay a high water bill to cover those long showers, you will miss them terribly. The only things left for you to do for them are to make sure that are packed, prepared and safe. Being safe includes being insured, so once your child is on a new course in life, contact your insurance company and let them help carry your child down the road to college.
If your child is in fact taking their car with them to college, you will need to find out if your rates will go up or stay the same. Either way, talk to your child before they leave about the responsibilities of driving as an adult. Make sure you stress how important it is to practice careful driving which includes limiting possible distractions such as cell phones and passengers in the car. While it is hard to let go, it is something you have to do. Knowing that you have done all you could do ensure their safety will make you feel better about this new life change.When you child is preparing to leave for school, you will either have to get them a separate policy, change their current information on your policy or if they will not be taking the car with them to college, find out what you have to do so they will be covered when they come home to visit. The latter choice may sound odd (why insure them if they do not have a car to drive?) but there is a reason behind it. Many states require that you be insured to have a drivers license (North and South Carolina for example) so this alone is reason to keep them on your policy. Even if this is not the case in your state, continued inclusion on your policy will allow your child to drive once they return home. After all, they are not gone forever and will be home for the summer and for holidays. When they do return home it is likely that they will want to go visiting with friends and you want them insured when they drive off in the car. Keeping them insured on your policy does not mean that you cannot get a lower rate. Since they are not full time drivers you may be able to get a rate reduction. One thing that can affect this rate is how far away your child has gone for school. If it is over 100 miles from home you are more likely to get a discount. (This is also true if your child has their own policy and will be leaving the car at home.) Plus, since your child will not be driving much, you can reduce the coverage you have on them and this alone will reduce the cost of your insurance rate.
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