Many insurance companies will ask you how many miles you drive and will factor them into your car insurance rate. The more miles you drive, the higher your fare could be. At Progressive, in most states, we ask you how many miles you drive to work. While rare, some insurers may offer pay-per-mile car insurance in certain states.
That means that the price of your policy is strictly correlated only to the number of miles you drive. Pay-per-mile policies can be expensive, even if your daily commute to work is small, because miles add up quickly. If you drive infrequently and expect to get a reduced rate, participating in a habit-based UBI program could be more advantageous than pay-per-mile car insurance. You can generally stay on your parents' car insurance policy as a registered driver if you live at home or if you're a full-time college student.
That means you're still covered when you drive your parents' vehicles. And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. However, if you're moving permanently, you'll usually need your own car insurance policy. College students often get the best deal on car insurance and greater convenience when they stick with their parents' policy.
Ultimately, however, it depends on each family and the place where the student attends school. For example, depending on the school's zip code, taking out a separate car insurance policy for the student may result in more affordable rates, but that could make it more difficult to share the car when the student is at home. For college students from other states, some states and insurers may require a separate auto insurance policy. Some insurers also offer remote student discounts for college students who go to school and don't take a car.
However, the vehicle must be regularly parked at your residence overnight in order for Progressive to insure it in your policy. In most cases, college students can stay on their parents' car insurance when they go to school if you haven't moved permanently. Car insurance rules don't change if you're an 18-year-old living at home, a 19-year-old college student, or an adult living with your parents. You can change insurers at any time, even if you just renewed your policy with another insurance company.
While auto insurers have traditionally used factors such as age, location, and motor vehicle report to determine the risk of having an accident, usage-based insurance helps calculate the car insurance rate by analyzing how often and how safely you drive. While car insurance is mandatory in Ohio, many opt for minimum liability insurance, which is extremely inexpensive but doesn't cover drivers or their vehicles in an accident situation where the culprit is at fault. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. In addition, if your policy includes reimbursement for a car rental and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Location is important to auto insurance companies, so if you're moving to the other side of the state or to a new one, be prepared for your premiums to change.