With Hanover car insurance coverage any family with college students can find some great coverage options before the kids head off to campus
If your child is going away to college, you may be wondering if you need to add him or her to your car insurance policy. Although many factors will influence your decision, one option you should consider is Hanover car insurance coverage. A family with college students will find plenty of options and some nice discounts with them.
Remember, coverage follows the car
One of the biggest factors to take into consideration when adding your college student to your family car insurance plan is the vehicle owner. The person who owns the title to a vehicle is the party responsible for insuring it. Unless your college bound kids own their own cars, you will probably be adding them to a parent's policy or a family plan. In fact, you probably already added them when they earned a driver's license. If that's been the case, then your decision will probably center around keeping the current levels of coverage or perhaps reducing certain coverage options that may not apply while your kid is at college.
Send you kids back-to-school safely, get free car insurance quotes for your college drivers here
If your college student will be taking a family car to campus, you definitely want to add or maintain him or her on your policy and probably keep all the coverage options you have in place. If you select Hanover car insurance coverage in this case, you may actualy get a discount if your college bound child is attending a school some distance away from home (the distance for the discount varies from state to state so check with your representative to find out what applies to you.)
Be sure coverage is in compliance
Another important consideration to address when you have kids headed for college will be the insurance coverage requirements they may be subject to if they're going to attend a school in a different state. If your college student drivers aren't taking a car with them to campus this won't be as big a concern. Keeping them on a family policy with the right levels of coverage will keep them in legal compliance.
If they own a car or plan to take a family car to campus, be sure you know what the residency and insurance requirements are for the state where they will be attending school. Some states consider college students visiting residents and recognize the insurance reuqirement of the "home" state they are coming from. Other states will count students as residents of that state and there may be different car insurance requirements.
Sending your child to college can be a stressful time and you don't need to add to that stress by not knowing what the car insurance coverage needs or requirements of your child will be. It could help if you spent some time with a licensed car insurance agent beforehand to get all your questions answered. An agent can also show you a variety of proposals with the lines and levels of coverage you will need to keep your college students safe and legal. Reply! can help you ahead of time by connecting you to car insurance agents in your area with plenty of experience in helpng families send college students off with just the right coverage in place.