Should I Add my College Student Teen on My Car Insurance?
Reader’s Question:
Will I get any benefits if I add my daughter currently attending at a nearby university here in Round Rock, Texas?
Misty
College is definitely a time that you and your daughter should consider having financial protection through auto insurance. Since you, as a parent, is probably already making a huge investment towards your child’s future both of you would want to have the peace of mind knowing that your daughter’s education won’t suffer due to any major financial setbacks that may arise from car accidents. As such, keeping your daughter under the same car insurance provider you have there in Round Rock, Texas, will definitely have it’s advantages.
It will also cost you less to keep her under the same insurance that you have as compared to getting her own. Ask your car insurance provider about multi-policy or multi-vehicle discounts if she will bring her own car. If your daughter is living on a college dorm, and her university is at least a hundred miles away from home and leaves the insured vehicle at home, you may also be eligible for additional discounts off your rates for the duration of her stay at the said university.
Encourage your daughter to do well academically as well as this could also make you eligible to receive a good student discount further boosting your car insurance savings. If you or your daughter has taken defensive driving lessons you need to make sure your car insurance provider knows as well since they will also give discounts on this. Finally, always make sure your daughter knows how important it is to drive safely and responsibly. If she is aware of the long term implications of reckless driving both for her benefit and yours as well.
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