“You can reach out to your current carrier to find out if they have an option to list a driver as living away from the household with no vehicle. You could also see if they have an option for students. By adjusting the status of the driver, you may be able to save money on your car insurance while ensuring your son is still covered when at home.
Every carrier has different terms and conditions. If your insurance carrier doesn’t offer this type of status for a driver, you can reach out to other carriers in your area. They may be able to provide a lower premium without excluding someone from coverage when it’s needed. “