Adding college students to your Kemper family car insurance coverage: things you should consider

Kemper car insurance coverage for the family of college students is some of the best on the market. If you're a current or potential Kemper insurance policy holder with one or more college drivers, you could be eligible for several discounts that can help you affordably expand your coverage.

Know what coverage to add

Before delving into all the possible plans and discounts you may find with Kemper, you'll want to be sure that you are pursuing the proper level of coverage for your college bound drivers. Most likely, you have already added your kids to the family policy when they became licensed drivers. If they are going to commute regularly to college, you may not need or want to change any coverage plans you have in place.

For free quotes on car insurance policies for your family and your college driver(s), click here

If your kids are headed to a college in a different state, and they plan to take a car with them, you will want to be sure that they are in compliance with whatever state laws apply where they will be in school. Some states will recognize college students as temporary or visiting residents and will recognize the state limits and requirements for insurance applying to a student's home state. Other states require students to register as partial or even full residents and in those cases, new car insurance coverage oprtions may apply.

Be sure you know what is required before your send you kids to campus.

Discounts can make coverage easier

Kemper, like many other auto insurance companies, offers a discount for students in good standing at school. Students who remain free of serious disciplinary actions such as suspension and expulsion are eligible for these discounts, depending on their grades. Generally, the higher the grades the higher the Kemper auto insurance academic achievement discount. Failure to maintain a high GPA from one semester to the next could result in the loss of the discount.

The good student discount is one of several features that set Kemper car insurance coverage for the family of college students apart from the competition.

Kemper also offers discounts for families who have a child away at college. Many insurance companies penalize young drivers, but Kemper offers this discount as a courtesy to its customers and as a way to reward responsible driving behavior while the student is away from home.

Time limits on these discounts are often in force, so you should always ask your Kemper insurance agent when the discount expires. Additionally, discount policies can vary widely from state to state, so you should speak with your representative before making assumptions about any discount option.

Another program that parents of college kids often find helpful is the discount for driving courses. College kids and high school students are eligible for special classes that teach safe driving techniques and pitfalls to avoid. Your kids completing these courses can lower your insurance premiums. Always ask what the class offerings are in your area to save even more money.

Getting a child to the point where s/he is headed to college is a noteworthy achievement. As a family, you'll want to protect that achievement by making sure your college drivers are well protected with the right insurance before they go away. It might help to sit down with a licensed car insurance agent in your area who can answer any questions you may have, make sure your college drivers are in compliance with all applicable state laws, and even root around for the best deals and discounts on your behalf. Reply! can help by putting you in touch with car insurance agents near you who will be able to help you decide if Kemper car insurance coverage for your family and college students is the right choice for you.