Parents,
Contact your auto-insurance agent if your college student is now living 100+ miles away from home and does not bring with them a family car. You will likely save several hundred dollars in annual premiums, due to your student not driving your vehicle except during college breaks. With today’s high cost of college, every dollar counts!!
And even if your student is going to school closer to home, your family may be eligible for a “good student discount” if the student’s grades are high (and the definition of “high” is pretty relaxed). This requires submitting report cards or transcripts but is worth it. The discount isn’t as high as the one @MinnesotaDadof3 mentioned, but at least it’s something.
Hey, thanks for this reminder. I would have thought about it eventually, but my D is leaving tomorrow. Since my premiums almost doubled when I added her to my insurance, they will go down a fair amount according to the agent (not all the way back). A temporary reprieve at most, since I have another new driver in about 6 months. CC saved me some money…
Yes, we did this, and our car insurance company said there will be no increase in our premium. The important thing is that the student has to be at least 100 miles from home.
We called our insurance company last year after D left for college. She is just a bit over 100 miles away from home.
Our premium went down by $30/month.
But it is soon going to go up again, once S gets his license.
Thanks for posting. Just emailed the Ins company Cannot wait to see any savings. Also removed rental car reimbursement as we now have an extra vehicle not being used at the house.
Since our son moved to Beirut, we were able to take him off our auto AND health insurance. Whoo hoo! He will get coverage through the American University of Beirut for about $30 a month. 
DS is over 900 miles away, and even with good student rate, the insurance was still over $900 a year! Crazy.
We had to switch to a different insurance company to see any relief at all.
Ours is only 5 miles away but living in a dorm with no car on campus. Rates went down 8% , about $100/yr, and he is still covered when he comes home. Our rates only increased 20% when he started driving (after good student discount and defensive driving class), so that is about half of the original increase!
Sadly that only works if you don’t have two of them, one right after the other. Next year, though…
Mine went down to half of what it was when he went over 100 miles, no car. Easy savings with one call.
@laralei, when my young male driver went to college 300 miles away, our insurance went down to $1800 a year, just for him. When we added another young male driver, with 4 drivers and 4 cars, insurance for just the youngest male driver was $2800 a year (with a perfect driving record and good grades). We were “excited” when we received a bill for less than 5K.
I would have shopped for cheaper insurance, but one son had a couple of tickets and an accident, so we didn’t want to call attn to that 
I didn’t really believe those ads with the cute green creature claiming you could save big bucks by switching companies. I finally did an online quote just for kicks, and was astounded at the difference in cost. I switched – have been saving more than 50% for identical coverage (and better customer service!). Wish I had believed that lizard years ago!
Absolutely good advise. I have a national insurance that begins with “G” and our insurance went back down to “normal” when my D went away to school 100+ miles away.
My daughter went to school 250 miles away - enough to get us a nice discount. Then when she graduated and moved out and I took her completely off my policy the rate remained unchanged.
Bam, just saved $432 with a simple email to our insurance agent. I would have never thought to do this if I hadn’t read this post. Thank you for posting this.
Had a well-known insurance company and found that I got very little relief with the kids away at college w/o a car. Made a call to the lizard company and was astounded at how much money I saved.
Got an email from insurance company saying we would be saving 3K a year. Waiting for new statement to see if this is correct. Holy jackpot.
OP, Thank you for the great advice!
This so varies by insurance company. We got a $100 a year reduction on our car insurance for,our kids when they went to college over 100 miles away. Woohoo.
When DD went into the Peace Corps, it practically took an act of God to get her removed from our insurance policy. She was on another continent, with NO car…and she wasn’t allowed to drive anyone else’s car…for 27 months. Our company said she needed coverage because she had a driver’s license in our state. I went to a supervisor…and politely argued our case…basically saying…if she had moved to another state…with no car…she would not have needed insurance. They agreed…and she as taken off our policy. Sheesh!