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Do I need to change my auto policy when my student returns to school?

Monday, September 28, 2015by  Jaime Layng

School schedule can impact your auto policyQ. Do I need to change my auto policy when my student daughter or son returns to school?

A. There is no required policy change that all parents must make when their child heads to school. However, there may be discounts for student drivers or other savings, so it's a good idea to review your policy.

Now is the time of year when the weather turns, leaves fall, and students return to classes, and I think we all can safely guess which of those elicits the most anxiety in a parent! Whether your student is just starting high school or already lives away at college, it can be a busy and stressful time. It's important to ensure your policies provide the protection you need at the best rate possible, so read on!

For parents of students who drive, your biggest and best savings will come from the auto policy's Good Student Discount. It's available to high school and college students who attend school full-time and maintain at least a 3.0 GPA. This often will reduce rates by hundreds of dollars per year. If your child is home-schooled or attends a school with an alternative grading system (e.g., Evergreen State College), we can work with that as well.

You could save more if your student is away at college without a vehicle. We offer the Away At School Discount if your student attends a college that's 75+ miles from your home and doesn't bring a car. This discount keeps your student driver insured under your policy but at a reduced rate, offering a good way to balance cost and protection.

College is a high-risk time for students, who could be in situations requiring insurance even if the student has no vehicle. For example, riding in someone else's car to attend a local event, or being injured by a vehicle while crossing the street on foot. It's important that your student driver is listed on your policy so we can provide you with the very best coverage available if an accident occurs.

There may be other situations worth discussing with your PEMCO agent as well, like when your student takes the car to college or travels overseas to attend school out of the country.

We'd love to provide you with some peace of mind and savings at a time when your student driver may be causing a bit of anxiety, so contact us today! We also have some great resources for parents and teen drivers in the Safe Teen Driver section of our website.

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