If you have a teenager heading off to college soon and will take a car with, you may wonder if you will have to adjust your auto insurance coverage. This situation may be especially concerning if your child will attend school in another state.  The agents Land Home Insurance Services, based in Concord, CA, can help you navigate insurance coverage that will adequately protect your teen.

College Students Can Usually Stay on Your Policy

Most college students can stay on the family auto insurance policy when they travel out of state. Keeping your teen on your current policy is generally less expensive than buying a separate policy. Students can stay on a parent’s policy if they live in dorms or campus apartments. The vehicle must also be registered in your name.

When You May Need to Buy a Separate Policy

If the car is titled only in their name, your student will need a separate policy. Most carriers require the primary policyholder to have an insurable interest in a vehicle. Students who move into off-campus housing, change their residency on their driver’s license, or file taxes in another state may also need a separate policy. When one or more of these situations apply, insurers may view that your student has moved permanently away from home.

What to Check Before College Begins

Check state auto insurance requirements for out-of-state students. Some states may require a separate policy even if the vehicle is in your name. You must also notify your insurance company that your teen will have a vehicle at school, so the carrier can base your premium on the car’s parked location.

Let Land Home Insurance Services help you with your auto insurance concerns. With offices in Concord, CA, and Hamilton, AL, we serve customers in most states.