As back-to-school season approaches, many parents are asking an important question: “Should I remove my college student from my auto insurance policy if they won’t be driving?” It’s a common concern, especially if your child is heading to a school out of state and leaving the car at home.
At Charles River Insurance, we help families make smart, cost-effective choices while still ensuring the right coverage. Here's what you need to know before making that decision.
1. Don’t Rush to Remove Them
Even if your child won’t be driving regularly, keeping them on your auto insurance policy can be a wise move. If they come home for holidays or break and use your car, they need to be covered. Plus, if they drive a friend’s car or are involved in an accident—even as a passenger—having coverage can offer critical protection.
2. Ask About “Student Away at School” Discounts
Most major insurers, including many Charles River Insurance carriers, offer a “student away at school” discount for full-time students who attend college more than 100 miles from home and do not have regular access to a vehicle. This allows you to keep them covered while lowering your premium.
3. Maintaining Insurance History Matters
Removing your student from your policy may save money short-term, but it could impact their insurance history. Maintaining continuous coverage helps build a solid driving record and may qualify them for better auto insurance rates when they eventually get their own policy.
4. What If They Take a Car to School?
If your child is taking a vehicle with them, be sure to notify your insurance agent. Location matters—especially if the school is in a different state or city. Charles River Insurance can help adjust your policy to make sure your coverage aligns with local requirements and risks.
Final Thoughts
The decision to remove a child from your auto policy depends on several factors—distance, vehicle access, and risk tolerance. Before making changes, talk to a licensed advisor at Charles River Insurance. We’ll review your policy, explore all available auto insurance discounts, and help you make the most financially sound choice for your family.
