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. Both programs rely on telematics to collect information about your driving behavior.
Telematics can transmit data from vehicles in motion and share it with an information center. Whether your usage-based program requires on-board diagnostics (a device connected to the vehicle) or a mobile application downloaded to your smartphone, your insurer uses telematics to gather information about your driving trends, such as sudden braking, accelerating quickly, speed, distracted driving and how fast you take turns on the road. You can generally stay on your parent's 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. No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada. Your policy will not cover international travel outside Canada.
Whether you're on vacation out of state or taking a long road trip, you can drive with confidence knowing that you're insured up to the limits of your policy. If you spend a significant amount of time out of state, the situation can get complicated when it comes to determining the state in which your insurance policy should originate. You may also need an additional policy if you store cars in two different states. No, there is no separate auto insurance policy for several states, since a standard auto insurance policy generally offers out-of-state coverage in all 50 states.
Nor is there a multi-state auto insurance policy that originates in two or more states. Any auto policy you buy will originate in a single state, usually the state in which you reside. If your car travels with you between houses, you'll only need one policy. This is commonly called the snowbird exception because it generally affects snowbirds that spend the winter months in a state of warm weather.
For example, let's say you divide your time between Ohio and Arizona and keep your car in the state where you currently reside. You'll have an Arizona policy for the fall and winter months when you live in that state. When you return to Ohio during the spring and summer months, you can cancel your Arizona policy and start an Ohio policy. This is known as rewriting your policy for another state; if your car moves with you, it helps you avoid paying for separate insurance coverage out of state that isn't necessary.
Get to know our culture and our people Chat now to ask Flo anything or explore the most frequently asked questions. College students often get the best deal on car insurance and greater convenience when they stay on 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. Many auto insurers offer optional UBI programs and can be beneficial to both parties: you can get a reduction in the rate and your insurer will use the data to better price your policy. Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure your college student. If you or your spouse own a vehicle, you may decide to insure it under your own car insurance policy or your parent's policy.
Depending on the state and the insurer, you may be able to add your car to your parents' insurance if you live with them and your car stays in their house. Some insurers also offer remote student discounts for college students who go to school and don't take a car. If you plan to add or keep a college student in your policy, you must notify your car insurance company before your child moves in. If you and your spouse live with your parents and drive your vehicles, you can stay on your car insurance policy as listed drivers.
Depending on the state, you'll get a discount for any full-time college student on your Progressive car insurance policy if they're 22 years old or younger and enrolled in an educational institution that's more than 100 miles from home. Cost savings are one of the reasons why most parents keep their college age students on their car insurance policy. In that case, you would need two car insurance policies, one for your vehicle that stays overnight in Connecticut and another policy from another state in New York for the vehicle you keep at work. .