How long can you insure your child on your car insurance policy?

Insure your child on your car insurance policyGenerally speaking, you can insure your child on your car insurance policy as long as he or she lives at home with you. That is not a hard and fast rule, however, because you can often continue to insure your child when he goes off to college or even after she moves away, as long as the child will be driving a vehicle owned by you at some point in time.

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There’s no doubt about it—young people will drive up the cost of your car insurance policy. Their inexperience marks them as high risk propositions as far as car insurance companies are concerned, and your wallet will feel the crunch in increased car insurance premiums. Make sure you let your car insurance company know about any factors that could qualify you and your child for discounts.

Ways to Manage the Costs of Car Insurance Rates

When your child attains a school Grade Point Average (GPA) of a certain level—the minimum GPA differs across the different car insurance companies—it may shave a few dollars off your premium. Similarly, a child’s presence on the Dean’s List may save you money as well.

Other ways to save money may sound familiar, as they are effective regardless of age:

  • Driving a safe, sensible car is one of the best ways to keep costs down when it comes to your car insurance policy.
  • The price of your policy will take into consideration all the different features of your car, with lower rates being applied to vehicles that boast safety mechanisms such as anti-lock brakes, tire monitoring systems, up-to-date air bag systems, etc.
  • Anti-theft devices will also save you money. Car locating systems and window etchings are just two examples of technologies that make it harder for criminals to steal your car.

Insuring a Child Under Your Roof

As long as your child lives under your roof and drives any of your cars, you can—and should—list them on your insurance policy. If your child gets into a car accident in your car but is not listed on your policy, your car insurance company may be within their rights to deny coverage.

That is a very expensive proposition, and one you should try to avoid at all costs. It’s true that listing your children on your policy will lead to increased premiums, but the costs associated with these regular payments will pale in comparison to the expenditure you will be forced to make in the event of an accident for which you are not insured.

Insuring a Child at College

Your car insurance premiums will change once a child goes off to college. If he leaves for college without a vehicle, your rates will probably go down because car insurance companies assume he will only be driving the car on breaks. Less time behind the wheel equals less risk. Less risk equals lower premiums.

If he takes one of your vehicles with him, the effect on your premiums will be determined by his destination. Having a child at school in a busy, urban area will probably increase your premiums, while attendance at a slower-paced, rural institution may decrease the cost to you.

One thing to be aware of if your child attends college out of state is that minimum insurance requirements differ across the United States. Just because your car insurance policy provides adequate coverage in your state does not necessarily mean it will be enough in another state. Be sure to check with your car insurance provider to ensure that you have enough coverage to meet the minimum requirements where your child will be attending school.

Compare Quotes On-Line to Find the Lowest Rates

It is sure to be a costly proposition whenever you plan to keep your child on your car insurance policy for an extended period. But using the online car insurance quotes comparison tool to search out the best rates will go a long way toward keeping your rates as low as possible while protecting you and your child from the dangers of the road.

The easy to use, time saving quote comparison tool allows you to access multiple car insurance quotes just by typing in your information once. Then you can compare each quote against the other, determining which offers the best coverage for the best price.

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