<p>I have Farmers and they have let me drop and add as the kids come and go. They prorate everything as well.</p>
<p>OpiefromMayberry – my husband and I are the co-owners of the car. And like jym626 said, we lost the multicar discount. I talked with USAA about things to do and am raising the deductible. I sort of left out the part where my son was the driver-at-fault in an accident almost three years ago – with the next renewal his rates will go back down and it will only be $100 more for a six month policy than here at home.
I looked into switching his car only to Geico or someone else. If I do this, will he lose his longevity credit with USAA? What do you think?</p>
<p>USAA is great, though ya’ll are correct that a student cannot be “off” the policy, but can be occasional users. Be sure that the child is “assigned” to the cheapest car to insure. This coverage allows your child to be covered any time they are home and any time they drive any one else’s car. I was told they do this rather than completely removing the driver as they had too many incidents occur wherein the student did drive another’s car.</p>
<p>MOMINCA, I was also told we could not remove my D from our policy and have her get her own policy until she is completely independent, including on tax returns. They said this is due to laibility, when the driver is your dependent, you could still be sued, so they keep it one policy. I had not heard about having to have different policies in different states and is does seem like the computer ought to be able to still apply the multi-car discount and reflect that multi-state locations; perhaps we shouls all call them and request they look into improving that policy.</p>
<p>If any one in your family has their own USAA #, they are now a member for life, despite divorce, death, generations removed from the officer, etc. It’s a great deal for the auto insurance and the banking!</p>
<p>We also use USAA and for the benefit of all here the “occasional driver” or “away at school” discounts do not apply if you live in NC, MA, MT or HI regardless of whether your college bound kids are in or out of state. </p>
<p>I do know that in NC (specifically) the inability to qualify for these discounts is offset by USAA’s policy that they are no longer classified as youth/inexperienced drivers for premiums after just two years. This time period for when their premiums are classified as regular drivers varies from state to state and can last anywhere up to 25 yrs old. Check out your home state rules on this.</p>
<p>We don’t live in MA but our son is in school there. We have USAA and have him on the away at school discount. Saves a good bit of money, but we lost that and more when the 16 year old started driving!</p>
<p>USAA used to charge a little more for policy holders who are not active duty or veterans but are adult children (or ex-spouses) of veterans. Is this still true?</p>
<p>I called and put “occasional driver” status for daughter last week. So our insurance should go down…</p>
<p>…for one month until younger daughter gets her license.</p>
<p>We have USAA as well. D is going to an instate college but it’s over 3 hours away and she has no car there. They dropped her rate significantly as of Aug 1 even though I told them she was leaving end of August.</p>
<p>Hello all-
I am just catching up on the discussion, as I’ve been away from the computer (I am at the beach- so I know I get no sympathy for the high insu rates… I know…).</p>
<p>Sorry- I am hitting the wrong buttons on the laptop-</p>
<p>Several of the questions have already been answered- To answer one (sorry- I’m afraid to scroll down to see who asked) but to answer one (sorry- I am afraid to scroll down to see who asked as I am having a tough time with this laptop) but yes, USAA charges a little less to active, reserve and retired military than to family once the family member gets their own policy (ie when the child is iff the parents policy and gets their own). I TRIED TO GET MY DAD A usaa POLICY (SINCE HE IS A wwII officer vet) Sorry for capslock folks, bear with me. Anyway, it didnt work. He would have had to sign up when he was in the military, and they wouldnt let us go UP a generation to include him- only down to our kids.
Also, my h. said that when our son had the "student away at school’ coverage (ie no car) the cost wasnt too much, but yes, we had to keep him on in this fashion. Now that we have a separate TX policy for him and his car, he’s also still “listed” and covered on our policy so he can drive our casr when he’s at home, and this doesnt cost any more. I hope this is making sense. Let me know if I need to clarify.</p>
<p>We also have USAA, both D’s are listed as away drivers as one is attending school on the East Coast (we are in CA) and the other is in state but 100 miles away. They are covered when ever they are home driving one of our vehicles. D on East Coast needed a car to get to summer internship and needed insurance coverage there. USAA was more expensive then Geico for her needs. She bought her own car and arranged her own insurance. We still have her on ours for when she is out here and driving any of our cars.</p>
<p>Will my mom’s insurance increase if I decide to take the car to Chicago for school from home (Detroit)?</p>