Heading off to college can bring a lot of changes—including questions about car insurance. Whether your student is taking a vehicle to campus or staying on the family policy, these five factors can influence their auto insurance rate:
1. Age and driving experience
Newer and younger drivers generally have less time behind the wheel, which can affect pricing.
2. Driving record
Accidents, tickets, and other violations may raise rates, while a clean record can help keep costs in check.
3. Where the car is kept
A vehicle parked on campus, at home, or in another city may be rated differently based on the area where it is primarily garaged.
4. The vehicle itself
The make, model, repair costs, safety features, and theft risk of a vehicle can all play a role in the premium.
5. Mileage, coverage choices, and available discounts
How often the car is driven, the coverages and deductibles selected, and eligibility for discounts—such as good-student, driver-training, multi-car, or bundle discounts—can make a difference.
Every carrier has its own guidelines, and discount availability varies.
If you have any car insurance questions Merit Insurance Group is here to help! Call us at 708-845-5466 or visit our website at www.meritinsurancegroup.com
