Trappe, PA -- (ReleaseWire) -- 07/30/2019 --With all the preparations for a new college student, car insurance may have fallen through the cracks. Kelly Insurance Agency looks to help clients in Collegeville, Limerick, Phoenixville, Royersford, Skippack and Trappe with the transition of a college driver on their car insurance. Whether or not a college-bound student is taking a car to college can make a difference in both coverage and premiums.
If a student does not take a car to school, parents may opt for a distant-school discount. This is generally only available if the student is attending a school 100 miles or more away from home. The student will still be able to drive while on school breaks including summer, Christmas and spring break and should remain a listed driver on the auto policy.
When a student takes a car with them, things can get a little tricky. If the student is attending a school out of state, the college's location and state will need to be written into the policy and may impact premium costs. Coverage requirements and/or recommendations may vary from state to state and should be reviewed by an insurance agent – the agents at Kelly Insurance would be happy to answer any questions you might have.
Unfortunately, break-ins and damage may increase while at college. Parking garages, street parking or isolated student parking lots could put a car at higher risk of theft, break-in or damage. Comprehensive and/or collision coverage may need to be added or deductibles adjusted.
Kelly Insurance Agency recommends that parents have an honest talk with their college-bound students regarding responsibility of having a car at college. Some conversation points include:
- Loaning the car to friends could result in raising premium costs. Car insurance follows the car so a friend getting into an accident makes the car's insurance go up, not the student's.
- Good news! Good grades may result in good grade discounts.
- Do your best to park in well-lit and or protected lots.
- Always lock your car and keep your keys in a safe place when your vehicle is not being used.
About Kelly Insurance Agency
Kelly Insurance Agency offers home and auto insurance to people in and around Collegeville, Limerick, Phoenixville, Royersford, Skippack and Trappe, PA. Visit the site at www.kellyins.com/.