Family Auto Insurance
|
Getting auto insurance can be overwhelming and expensive for a college student, which is why most parents decide to keep their kids as a part of their policies. If you're shopping for auto insurance for college students, remember the following. When To Get Your Own Auto Insurance?
If you have your car or you're planning to get your new car in your name, then you should have your own auto insurance policy. Depending on where you're located, you must get a separate policy if you live out-of-state. If you're staying off-campus and your home is out of state, you must obtain individual auto insurance coverage. What College Auto Insurance Should Cover? All drivers must have at least minimum coverage liability insurance, as this will cover bodily injury and property costs. Collision coverage protects your vehicle and covers payments for any repairs. Meanwhile, comprehensive insurance is the most coverage for any driver as it covers all the possible scenarios but not including collision. When To Stay On Your Parent’s Policy? On the other hand, you may want to consider staying under your parents' policy instead, as this is cheaper than getting your own. Also, a single policy is easier to manage rather than separate auto insurance. If you don’t have the credit or have never owned a credit card or purchased a car, you may have low credit standing. Credit scores are also a factor in determining insurance rates; with low credit scores, you may fall into the high-risk driver category. Your parents will save money if you opt to stay under their plan. Some insurance companies provide discounts for good grades, and therefore, you and your family can get good value out of sharing insurance policies. Also, your parents' auto insurance plan will protect you outside driving. Some may even have PIP or personal injury protection coverage and UI or UIM uninsured or underinsured motorists' protection. These features can significantly protect you as you learn how to drive better and better. Weigh in on your options for college auto insurance. Consult an auto insurance specialist to help you consider the pros and cons of individual auto insurance, especially for beginner drivers. At Family Auto Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (313) 285-9042. Get your free quote today by CLICKING HERE.
0 Comments
Leave a Reply. |
Contact UsDetroit Office: Archives
March 2025
Categories
All
|
Navigation |
Connect With UsShare This Page |
Contact UsFamily Auto Insurance Agency
Detroit Office: 6442 Michigan Ave Detroit, MI 48210 (313) 285-9042 |
Location |
Website by InsuranceSplash