It may not seem true, but your baby is now an adult. As your child flies away to college and all it brings, be sure a wide, strong safety net is at the ready. And as you traverse new pathways, trust that you can lean on our experience. Here are a couple of questions that will likely surface:
Since my child is now an “adult” and will be away from home most of the year, should I still list him or her on my auto policy?
Most providers allow children to remain on their parents’ policy till the age of 25, and with good reason. Seeing as they’re relatively young, college-aged kids sit squarely in the middle of the highest risk zone. It’s a given that if they were to take out their own policy, premiums would climb. So if they’re planning to use a family vehicle, it would be vital to keep them on the family’s policy.
Since your child still technically lives at your residence and would list that as their permanent address, including them on your policy will protect everyone all the more. When they’re home on break and want to take one of the family’s vehicles for a spin, you can confidently hand over the keys. And were something to happen on campus, you can rest assured that your child, the vehicle, and anyone else involved will be well taken care of.
My child will be attending college out of state. How can I be sure our policy will cover any accidents that occur while my child is away at school?
First off, that’s pretty forward-thinking of you to ask, Mom and Dad. Make sure, of course, that your insurance agent is licensed to provide insurance in the state in question. Then ask for the details of your policy—learn whether the state your student will be traveling to has certain requirements or restrictions that may affect coverage. Since your child will be away from home, make sure that policy ID cards are up-to-date and your agent’s number is on speed dial.
Aid the transition by including your college-bound son or daughter in chats with your family’s agent. Your child will feel part of the team, and knowledge will lay some responsibility on their shoulders. Better still, you can help to forge a relationship that can last far into the future.
These Terms & Conditions govern your use of this website; your use of this website indicates your acceptance of these Terms & Conditions in full.
Kindly note that the information and content provided on this website does not constitute professional advice. Although we do our best to keep everything on this site correct and up-to-date, we do not guarantee the completeness or accuracy of any information provided on this website. Improvements and/or changes in the products, services and/or programs described on this website may be made at any time without notice. We must also advise that hypertext links to other websites do not constitute an endorsement, nor do we guarantee any information provided by those sites.
While we do love when users share what they find on our website, it may be used or shared only for personal purposes. The information and content provided on this website is owned or licensed by Zinc, and should not be used or disseminated for any profit or gain.
While using this website, please be aware that no insurance coverages can be bound and no amendments, supplements, or modifications can be added to your policy, new or existing, unless and until you have received a written binder from us or your insurance company.
For users outside of the US: We make no claims that the content on this web site is appropriate or may be downloaded outside of the United States. If you access the site from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
Even though we work hard to ensure the security and safety of our website and its users, we cannot and do not guarantee that this website will operate error-free, nor that this website and its server are without computer viruses or other harmful material. If your use of this website or material from it results in any costs or expenses, we will not be responsible for those costs or expenses. This website and its materials are provided without any warranties of any kind, to the fullest extent permitted by law.
Please bear in mind that we will not be liable for any losses or damages arising under these Terms & Conditions or in connection with this website, whether arising in tort, contract, or otherwise – including, without limitation, any loss of profit, contracts, business, goodwill, data, income, revenue or anticipated savings.
Finally, if for any reason any portion or provision of these Terms & Conditions is ruled to be unenforceable, that provision will be enforced to the maximum extent permissible so as to affect the intent of the Terms & Conditions, and the remainder of the Terms & Conditions will continue in full force and effect.
Thanks for getting in touch! You'll receive a confirmation email shortly.