If you, like many other young adults, are preparing for your fall semester at college, you should make sure that you have the correct CT auto insurance in place. You may need to modify your coverage if you are going to school without a car and your parents have one in their garage that isn’t being used as often as it previously was.
Whether you are taking your car with you, or your car will be parked in your parent’s garage, both warrant proper research to determine the best solution in terms of affordability and proper coverage.
To Stay On Your Parents CT Auto Insurance Policy or Take Out Your Own?
If your car is insured under your parents auto policy, the obvious solution would be to simply have them remove you from the policy, right? Unfortunately, there are many factors affecting how you should address the dilemma of finding CT auto insurance for college students.
Imagine coming home for a weekend to celebrate a friend’s birthday, and needing to use your car. As you need to have auto insurance, you cannot simply cancel auto insurance if you aren’t replacing it with another policy. This leads to the question: should you stay on your parents policy or should you take out your own CT auto insurance?
For maximum coverage and cheap premiums, there are a few questions that you should look into. In order to determine whether you will require a car, you must first determine where you will be attending college. If it will be out of state, will the coverage continue in the new state, or will you need to get new insurance? It might even be possible to get a better deal if your address changes.
If your car won’t be coming with you to college, and no other family member will be driving the car, you should most certainly have your CT car insurance re-evaluated. Why? Well it’s simple: A car that is parked in the driveway, collecting dust, may qualify for a low mileage rebate.
Reasons to Stay On Your Parents CT Auto Insurance Policy
Here are a few instances where staying on your parents policy is likely the best option:
- If your parents are paying for your car, or other bills
- If you are taking your car to college
- If you are going to stay at home and commute to college
- If your college is less than 100 miles from home
- If you want to come home from college on a regular basis
Reasons to Take Out Your Own CT Auto Insurance Policy
Here are a few instance when you might want to ask your parents to take you off their policy and take out your own auto insurance:
- If your college is more than 100 miles from home
- If your car will be kept at home while you are at college
Choosing the Right CT Auto Insurance for College Students
Each person’s situation will vary, that is why it is important to do your research and consult with experts when it comes to CT auto insurance for college students.
Our representatives at Paradiso Insurance are eager to talk to you about your circumstances and help you adjust your car insurance. Contact us as soon as possible, as we can help make preparing for college smooth sailing.