Question about Car Insurance Pennsylvania: Auto Insurance for College Students in Pennsylvania…

My name is Brent G. My son is heading off to college here in Pennsylvania. I am planning to buy him his own car. What would be the best auto insurance for my college student that will not cost too much money?

Brent
Pennsylvania

Answer:

Hi Brent,

You are a generous father.

A car to a college student is like treasure to a pirate. Having a car at college is a luxury that not many students get to have. Most students ride their bikes or walk to class, but if you are one of the few who gets to drive to campus and take long trips on the weekend, then you have to be prepared for the responsibility of owning a car. And that means you have to be covered with student car insurance.

You need to understand that every state has different auto insurance laws. If youëre a Parent of a college student and still concerned about your own liability, you may want to consider letting your college student assume the title to the vehicle, as long as he or she is at least 18 years old. Since your child now has the title, he or she can obtain his or her own policy. Not only does this reduce your liability exposure, but it also encourages your childís personal growth and responsibility.

Another important discussion you should have with your college student involves discouraging him or her from letting other people drive the car. Since not every student has a vehicle at school, students often lend their cars out to others. However, your child needs to understand that he or she is responsible for what happens to the car ñ no matter who is driving.

Along the same lines, you should also have the discussion about drunk driving with your college student. Almost all parents would like to believe that their child is different and wonít drink at school, but the reality is quite different. With an easily accessible vehicle, the temptation to drink and drive can be great. However, besides the other difficulties it may cause, a DUI can not only result in the cancellation of the policy, but it will affect premiums and the availability for many years.

When your child heads off to college, it is ultimately your choice as to what to do about the vehicle and your auto insurance. Though you have options, you should sit down with your college student and your auto insurance provider to clarify your position and make sure you have the correct coverage for your particular situation.

While college students have been found to be the group of drivers that pose the highest risk, there are things that students can do to get their insurance rates reduced.

These include:
1. making sure that they have good grades
2. Students going to school in a rural area are charged less
3. Living close to one’s job or school
4. Getting a car that have safety features
5. Driving carefully

Always bear in mind that College should be both a fun and safe experience, so if your college student has a car and they use it as part of their daily routine, always have them student car insurance for protection.

At Car Insurance Pennsylvania, you can find the best auto insurance for your son and his car.  Just enter the zip code at the top of this website.

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