How can I save money on car insurance while I am away at college?

While I am away at college, I will be keeping my car at home with my parents. I know having continual coverage will keep my rates low, but I will only be using the car during the summer for the next four years. How can I save money?

Answer provided by
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Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“You will want to investigate a few options to save money on your car insurance policy. First, make sure you are getting all of the available discounts, such as:
  • Good student discount
  • Driver training discount
  • Safety features discount
  • Student away discount
  • Fraternity and sorority affiliations discount
If these don’t lower your policy enough, look into getting a storage plan for your car. As long as no one at home will be driving it, you may have the option to remove the liability coverage and collision coverage and keep just the comprehensive coverage for losses like fire, theft and vandalism. Then you can put the liability and collision coverage back on the car so you can drive it in the summer.”
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