If you are sending your teenager off to college and they only have a minimum-coverage insurance policy on their vehicle, it may be worth adding more coverage and updating the policy before they leave. There are a lot of things that you'll want to look into, because paying a little more each month could end up saving you a lot if there is an accident or mishap later on. Here are a few of the things you want to look into adding to their policy before they head to campus.
Towing and Lock Out
If your teen's car breaks down on the side of the road or they get locked out, it's going to cost you the expense of a tow or a locksmith. Either of these things could easily end up costing you or your teen around $100.00 or more. Add the roadside assistance option so you don't have to worry about your teen being stranded because they don't have the money and can't get a hold of you, or so you don't have to pay either of these costs.
Some auto insurance policies will cover the cost of replacement if your teen's items get stolen out of their vehicle. See what different theft protection and replacement options your auto insurance provider offers, or if you can get this type of coverage with a new auto insurance provider if you decide to switch.
Since your teen is going to be parking in parking lots on campus where crime is high, and they will be driving around with other teen drivers, the chances of something getting damaged or of their vehicle getting broken into are high. Make sure that you have full coverage, or enough coverage to repair collisions that occur, along with broken windows or other types of vandalism.
There are a lot of different things that can happen when your teen takes off down the road to live on campus, but you can make sure their car and car troubles are covered by getting some better auto insurance. Instead of getting the lowest possible coverage because you don't want to spend a lot of money, or because your teen doesn't have a lot to spend, find a way to make it possible to add more coverage and to get more protection to save money later on. For more information on auto insurance policies for your teen, contact an insurance agency like Able Insurance Agency.
Hello, my name is Clancy Watkins. Welcome to my site. I am here to discuss auto insurance coverage types with you all. I started learning more about insurance after buying my first automobile. I was interested in protecting my new asset as much as possible in case of an accident. The insurance coverage I purchased may have been a bit much for that vehicle, however. I will use this site to discuss the process of finding the right amount of coverage without agreeing to premiums that are much too high. Thanks for visiting my site. I invite you to come back often to learn more.