Preparing for Back-to-School: Teen Drivers and Dorm Insurance

As backpacks are packed and alarms are set, the back-to-school season marks big transitions, especially if your family includes a teen driver or a college-bound student. It’s the perfect time to revisit your insurance coverage and make sure everyone is protected for the road ahead.

Teen Drivers: Don’t Miss the Discounts

Adding a teen driver to your auto policy can significantly raise premiums, but there are ways to manage the cost:

• Good Student Discounts: Many insurers offer lower rates for students maintaining a B average or higher.
• Driver Training Programs: Enrolling in a certified driving course can lead to additional savings.
• Usage-Based Insurance: Consider telematics programs that track driving habits and reward safe behavior.

And don’t forget—teens using their own vehicle should be properly listed and rated on your policy, and the vehicle itself should be adequately insured.

Dorm Life and Renters Insurance

Once your student heads off to college, their belongings—laptops, phones, furniture—may or may not be covered under your homeowner’s policy. Depending on the circumstances:

• Some homeowners’ policies extend limited coverage to students living in on-campus housing.
• Off-campus housing usually requires renters’ insurance, which is affordable and offers protection from theft, fire, and liability.

C3 is here to help you take care of these insurance to-dos so that you and your family can focus on what matters most: supporting your student’s journey with peace of mind.