Discounts to ask for
- Good student B average or 3.0 GPA, or top 20 percent of class with proof.
- Student away at school enrolled full time far from home without a car on campus, commonly about 100 miles.
- Defensive driving approved course completion where available in your state.
- Safe driver telematics usage based programs that reward smooth braking, gentle acceleration, and low mileage.
- Bundle auto with renters or homeowners for a multi policy discount.
- Multi car and multi driver list all household vehicles and drivers correctly to qualify.
Steps to lower student premiums
- Collect proof such as transcripts, enrollment, and dorm address if away at school.
- Enable telematics quotes and review the privacy policy and sample savings.
- Compare scenarios on a parent policy versus a separate policy, especially if the student’s car is titled in their own name.
- Set reminders to re shop at each renewal and after milestones such as GPA changes or moving off campus.
When to stay on a parent policy
Many insurers allow students to remain on a parent policy when the student’s primary residence is the family home or they are temporarily at college. If the student owns and garages a car at a different permanent address, a separate policy may be required. Ask the insurer how they define residence and garaging.
Telematics for young drivers
Households with young drivers often see strong savings with usage based programs that score real driving. Review how your insurer calculates discounts and any introductory credits for enrollment. If you prefer not to share driving data, shop alternatives and compare the base rate.