Distant Student Car Insurance Discount
Discover How a Distant Student Car Insurance Discount Can Help You Cut Costs. Learn About Eligibility Criteria, Potential Savings Up to 15%, and Additional Discounts for College Students. Find Out If Leaving Your Student on Your Policy is the Best Option and Explore Further Education Car Insurance Discounts. Compare Quotes from Top Insurance Companies and Start Saving Today!
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 29, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Are you a parent with a college student? Discover how you can save money on car insurance with a Distant Student Car Insurance Discount. In this comprehensive article, we cover the key topics related to this discount, including eligibility criteria, potential savings of up to 15%, and additional discounts for college students.
- Students who are away at college may qualify for significant savings on car insurance
- You may save up to 15% with a distant student car insurance discount
- This option is usually better than removing the student from the policy altogether
We also address whether leaving your student on your policy is the best option and explore further education car insurance discounts. To ensure you find the best rates, we encourage you to enter your zip code and compare quotes from the top insurance providers. Don’t miss out on potential savings – start comparing rates today!
What is a distant student car insurance discount?
According to the CDC, statistics show that teenage drivers are at a higher risk of injury or death due to a car accident. That’s why, in general, car insurance rates for teens tend to be higher. At the same time, car insurance companies realize that not all young college students have vehicles with them on campus. In many cases, the cars they drive are back at their parents’ home, and they may drive them rarely, if at all.
Because these students are driving less frequently, some car insurance companies offer a distant student discount. If your college student will have limited access to their car while at school, you may be eligible for a distant student car insurance discount. Depending on your car insurance company, you might save as much as 15% on insuring your child.
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What are the qualifications for a distant student discount?
The qualifications for a distant student discount on insurance vary from company to company. In general, though, the student must attend college full time, and the campus must be more than 100 miles away from home. The student must be under 23 years of age, and they must not have access to the car while they are at school. In most cases, if your child comes home to visit you for a weekend, they will still be covered if they drive your car.
Should I leave my college student on my car insurance?
Understandably, you might think it would make more sense to remove your college children from your insurance policy altogether. However, there are a few reasons that this might not be the best decision.
For instance, when your child returns home for weekends, holidays, and summer vacations, they will probably need to car to drive to work and visit friends. Removing them from your policy means your child could not legally drive your vehicle. Also, to maintain the best rates over time, car insurance companies like to see that drivers are covered continuously without any lapses. If you remove your son or daughter from your policy, even temporarily, it may end up costing more money in the long run.
Additional Discounts for College Students
Besides the distant student discount on car insurance, your college student may qualify for additional student car insurance discounts while they’re away at school. For instance, if you have an insurance agent, ask them about good grade discounts for college students. Some companies will reward students who maintain a B average or better with as much as a 10–15% discount on rates. Other possible savings include paid-in-full discounts, usage-based discounts, safe driving discounts, and organizational or membership club discounts.
In general, though, the best way for a young college student to get the lowest possible car insurance rates is to be a safe driver who avoids traffic tickets and fender benders. And, as a parent, you also may be relieved to know that once your child turns 25, they’ll have to leave your policy (and they’ll be eligible for lower rates if they maintain a good driving record.
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A Distant Student Car Insurance Discount Can Add Up to Big Savings
Between tuition, housing, books, and other expenses, having a child in college can take a serious toll on your bank account. According to the National Center for Education Statistics, the average cost of tuition and fees at four-year public schools is $9,400 per year. Fortunately, with the help of a distant student car insurance discount, it’s possible that having a child in college can lead to some savings. Contact your insurance company to ask if your student qualifies — or shop around for another provider that may help you see a nice drop in your rates. Plus, don’t forget to ask about a further education car insurance discount for after they graduate. As an added bonus, sometimes car insurance companies will offer further savings once someone has a college degree.
Frequently Asked Questions
What is a distant student car insurance discount?
A distant student car insurance discount is a discount offered by some car insurance companies to parents who have a college student who attends school more than 100 miles away from home and doesn’t have access to a car while at school.
What are the qualifications for a distant student discount?
The qualifications for a distant student discount vary by insurance company, but in general, the student must attend college full time, be under 23 years old, and the campus must be more than 100 miles away from home.
How much can you save with a distant student car insurance discount?
Depending on the insurance company, you may be able to save as much as 15% on insuring your college student.
Should I leave my college student on my car insurance?
In many cases, leaving your college student on your car insurance is the best option, as it allows them to use your car when they’re home on weekends, holidays, and summer vacations. Additionally, maintaining continuous coverage can help keep rates low in the long run.
Is there an education car insurance discount available for after college?
Some car insurance companies offer further education car insurance discounts for after college, which can provide additional savings once the student has graduated.
How much can college cost and how can a distant student car insurance discount help?
College can be very expensive, with the average cost of tuition and fees at four-year public schools being $9,400 per year. A distant student car insurance discount can help alleviate some of the financial burden by offering significant savings.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.