With Pemco car insurance coverage a family with college students can get all the protection every driver needs
Like many regional insurers, Pemco is a family friendly company. If you have kids headed to college, use Pemco car insurance coverage. A family with college students might be surprised at what coverage options and discounts you can find.
Determine what coverage they will need
One of the first steps you will need to take is to determine what level of car insurance coverage your college students will need. You likely added your kids to the family policy once they earned a driver's licsense and while maintaining that coverage for them when they head to college might be easy, it might not be smart.
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Will your college bound kids be taking a car to campus? If so, you may need to alter the coverage, especially if they will be attending a school in a different state. All states have varying requirements of licensed drivers for insurance coverage and each state handles the residency status of college students differently. Make sure you know the rules before you send your kids off to college.
If your kids aren't going to be taking a car to campus, you may be able to reduce the coverage you had for them when they were living at home.
Discounts are available
While the insurance rates for college students can be significantly higher than for older, more experienced drivers, you can lower your rates for Pemco auto insurance family coverage for college students applying for several discounts.
You can save on your premiums through the multi-car discount if your college students have their own cars and plan to take them to campus. By insuring two or more cars on the same policy, you can save up to 20 percent.
You can also save even more through Pemco's Away at School discount, which you can qualify for if the student attends a university more than 75 miles from home and does not have a vehicle on campus. You can also receive a discount if your student retains a grade-point average of 3.0 or above.
Using Pemco to insure your home as well as your car can save you money on both premiums.
When you send your kids off to college, you have enough to worry about and getting Pemco car insurance coverage just may relieve you of one additional concern. It might help if you and your college bound kids spent some time with a local, licensed car insurance agent with access to companies like Pemco. An agent will answer all your questions, make sure you have the right coverage in place, and can even show you sample policy proposals you can review before you buy. Reply! can help you here by connecting you to car insurance agents near you who can help you get your college kids the coverage they need while accomodating your family's budget.