Auto Insurance for cadets

T

tutmom

5-Year Member
Joined
Nov 21, 2009
Messages
85
When my daughter went off to college, I told my auto insurer and we got a discount since she was away at school most of the year and didn't have a car with her.
I called my insurer about my son (who is starting the AFA in June) and they said they could either:
1) do the discount like they did for my daughter
2) take my son off our policy altogether.

My son will be home 5 or 6 weeks a year (I hope) so I wasn't sure about #2.

What do other parents suggest?
Thanks
Tutmom
 
We took our son completely off the policy. He took out his own non-owner policy through USAA for those occasions when he borrowed a car. It was less than $100/year, which is far less than what I saved by not having him on my policy. Your son will still be covered when driving your cars when he is home, just like anyone else who uses your cars with your permission would be. Once our son became a 2-degree and could have his own car, he just contacted USAA again and they converted his non-owner policy to a regular auto policy, and the rates are far less than he could get anywhere else.

Stealth_81
 
Thanks! That sounds practical and will also save us alot of money.
 
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