The best car insurance for college students depends on a few factors, such as whether they’re driving their own car (they’ll need their own liability insurance policy for that) or if they can stay on their parents’ car insurance policy. For the most part, car insurance is always more expensive when you are younger. And many students traditionally enter college when they are 18. Every carrier offers discounts on car insurance and some of these discounts are only available to college student.
Let’s take a look at the most common types of car insurance for young drivers and why they’re good to have.
Choosing Liability Insurance for Teen Drivers
Just like any other driver, teen drivers need to make sure that they’re covered by the minimum liability insurance required by law. Specific requirements for liability insurance vary from state to state, but most states dictate minimum coverage for:
- Bodily injury liability, which covers the medical costs of other drivers and passengers if your teen is at fault for an accident
- Property damage liability, which covers the repair costs of the other driver’s car if your teen is at fault for an accident
Is Roadside Assistance a Good Solution
Cars break down all the time and it’s even more likely with young drivers. Less experienced drivers are more likely to forget to do routine maintenance like oil changes and are less likely to notice signs and sounds that something’s wrong with their car. With a roadside assistance plan, you and your teen can have the peace of mind that they’ll never be stranded anywhere, whether they have a dead battery, an empty fuel tank, a flat tire, or smoke coming from under the hood. Help is always just a phone call away.