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. 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. 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.
Depending on the state, you'll get a discount for all full-time college students 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. 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. 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. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.
Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. Cost savings are one of the reasons why most parents keep their college age students on their car insurance policy. Both are covered when driving each other's vehicles, so they don't have to tell the insurance company who is driving which car and when. If you or your spouse own a vehicle, you may decide to insure it with your own car insurance policy or with your parent's policy.
If you share a permanent address or if your car usually spends the night at your parents' house, you can continue to share a car insurance policy regardless of your age. Auto insurers may not offer a direct discount for driving fewer miles, but some may offer usage-based insurance programs that could lower the rate as a reward for driving safely and less in general. 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 at home. The age of your car may affect the overall insurance rate, but a higher or lower reading on the odometer isn't something insurers generally use to set rates.