Does anybody have experience?
Dilemma:
19 years old consider taking car to college.
Living on campus in Memphis.
Called Geico and was told that she would need a separate insurance.
Car is titled to parents and registered at home state.
Separate insurance for 19 years old in Memphis will probably cost close to $3k per 6 months.
Was agent correct telling that separate insurance necessary?
What do you do?
Any experience with Geico in similar situation?
We have geico, when my daughter took a car from NJ to SC I called them to let them know, it was fine. This was last year.
So they did not ask for separate policy?
I was wondering was an agent wrong.
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No, but I noticed an increase in price right after. The weird part was when she came home for the summer, I called to let them know she was back in NJ, and the agent said that it said NJ already, yet I have an email and notification on the website that I changed it last august.
Depends on the company. You need one that will allow you to garage away from home. The where may also matter.
I have a feeling that there is inconsistencies in terms how they deal with college students taking car with them. I also can’t find a written policy about Geico rules in that case…
And how you find what companies do what?
Google says Geico allows it, but agent says no. Who is right?
Every time you call Geico, you would get a different agent…
I have also complicated situation with 3 college students. One at home (male), one far away without car, and possibly one more with car… That makes search impossible… Calling everyone with quotes with pull at each place will not help…
Some of these regulations are state dependent. We are in NC and our daughter took our car to Va for college. We just had to let them know where the car would be kept. Didn’t need a separate policy for her. It was titled under my name.
It may be Memphis is the issue. Tuscaloosa wasn’t. No extra cost. Charleston - different story.
In our case no car but we pay for Ubers. Some months she goes to the beach a bunch and it’s 200-300 or she goes to Trader Joe’s.
It’s a cheaper, more efficient way.
Insurance is tough. You have to call around or fill out an online form but you will be besieged by calls. If you fill one out, make sure it asks about this - your address but where the car will be garaged.
We use Allstate and have one college student (S22) out of state with his car, and S24 will also have a car at school, but he’s instate. My name is on both titles and they are registered in our home state. I called our local agent and he just made note on our account where those cars will be garaged. No separate policies, no problems.
Maybe I have to go back to Allstate 
. We just moved from Allstate to Geico in January due to 20 years old son added to policy . Insurance came with Allstate astronomical…
It might be state-dependent. When one s took a car to a different state, since it was going to be there more than 6 mos out of the year, we had to put him and the car on a separate policy. I don’t think we had to do that for our other s, who was in college in a different state.
I was in the same situation last year, 2 away, only 1 with a car at college, 1 at home, all college students. Maybe try another agent?
Geico has no dedicated agents. Only 1800…
Live in NY with kid in FL at school. Geico agent said something like that when I was going through hypotheticals, though there was a suggestion that we might be able to add kid to our policy if kid was in a dorm with a car. If off campus with a car, wd need a separate policy—but suggestion was if was bc/of state law issues. For now, kid has no car and we can have him changed to “away at school” when he’s there and we don’t pay extra for him. I know a friend with progressive insurance sad they were able to add their college kid in NC with a car; they also said they cd have him as a “secondary driver” snd it wasn’t so expensive. That wasn’t an option with geico.
I wish I understood it better.
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Sometimes you have better luck, but also to ask why (like maybe different rules for states?). We pay $12,000 a year for 4 vehicles, only 2 have collision. We had a good driver award which I hope helps with our very recent $13,000 claim, had a $7000 accident the same week, my husband at fault, we paid oop.
Called second time to Geico, and was told that I do not need to change anything on the policy and DD can bring car with her… This is wild… I took agent’s name and ID… but not sure it would help in case of claim…
He checked rules of our home state…
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You also need one that insures in the state where the college is located.
One of our kids borrowed one of our cars in grad school…was on our insurance. We notified our insurance who also insured in the grad school state. It was not an issue.
Our kids didn’t have cars in undergrad.
I did not have an issue with that. I indicated my DD would have the car with her and specified the state. My insurance did not increase.