Car insurance

Discussion in 'Coast Guard Academy - USCGA' started by cns3700, Jun 6, 2018.

  1. cns3700

    cns3700 Member

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    Will cadets need any type of car insurance while they attend the academy and CGAS? My son will not have a car so I’m taking him off my insurance but does he need to be covered to drive anything at the academy?
     
  2. New@This

    New@This Member

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    Good question. My DS will be attending USMMA prep school this fall and I have been checking on health/vision insurance but hadn't thought about car insurance.
     
  3. davejean90

    davejean90 Member

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    Depends on your insurance company. At Day 1, we went to the USAA booth (our insurance) and the representative said to call the main office and specifically state that your DS is attending a service academy. We did that and the reduction in the insurance premium was significant. Our DS is still covered and drives when he is home.
     
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  4. jl123

    jl123 Member

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    Does that mean he will not be driving when home on breaks? We kept DS on our USAA insurance with away at school option for his first year that lowered cost, but still kept coverage when he was home. Now that he rents and borrows cars we keep him on full time.
     
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  5. TennisDad

    TennisDad CGA Admissions Partner

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    They can have a car at CGAS. They obviously need car insurance. They cannot have a car on campus at the Academy until their 4th year.
     
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  6. cns3700

    cns3700 Member

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    He won’t have his own car but he can use my car during break. USAA put him on a “named non-operator policy on my account which did significantly lower the insurance. I’m asking around because I’ve gotten different answers each time I talk to someone new at USAA.
     
  7. corescue59

    corescue59 5-Year Member

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    We too are members of USAA. Our DS just finished his first year at USCGA. As far as car insurance goes he is on the policy but since at an SA we do not have to pay for him since no car is with him. We did have to send in proof to USAA. He is still covered so he can drive when home on leave or in an emergency at USCGA.
    As far as medical goes: he is still on our medical plan for another year. USCGA recommended keeping your cadet on for 2 years just in case.
     
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  8. humblebeginnings

    humblebeginnings Member

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    @cns3700 Car insurance differs from company to company and more importantly, from state to state. So I would suggest you call your agent as he/she would be able to best answer your question. With that being said, here's my $.02.
    Most companies will give you an "away at school" rate when your young driver is more than 150 miles away from home and attending school. You do not want to remove him/her from the policy completely just in case something happens while they are at home. Furthermore, as long as they are listed on your policy, they have a history of insurance which makes their rate better when it's time for them to purchase their own policy.
     
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  9. cns3700

    cns3700 Member

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    Thanks for all the great advice! I talked with another person at USAA after your postings and they did recommend to keep him on but as “non-operator.” Significantly cheaper!
     
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  10. rtp9799

    rtp9799 Member

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    I called USAA yesterday scheduled setting DS to Non-Operator as of 7/2 - ins will drop $1255 - and he can still drive when he comes home on breaks - no need to update them unless he returns to being a full time driver
     
  11. USMAROTCFamily

    USMAROTCFamily 5-Year Member

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    We took our USMA cadet completely off our USAA Insurance policy and had him establish his own non-owner operator policy. There was a big reduction to our auto insurance policy, but especially to our Umbrella policy.