Teen in out of state school - parents car insurance?

May

Because you are attending school, you are still considered a member of your parents household so your parents insurance company needs to know that you have a drivers license so that you can be covered while driving their car. BUT !..... If you are the principal driver of the car, then the insurance company needs to know that. If you are the principal driver and the insurance company does not know that, they can/will deny any claim. Never lie to an insurance company.

amy lynn

The parents should inform the insurance company that one of their insured vehicles is being used by their teenage college student at an out of state school location. The teen must be listed on the policy and the location and average daily usage of the vehicle needs to be updated. By average daily usage, that would be the miles the vehicle will usually be drove to and from school each day. EDIT - I answered before you updated your question. So, here it goes, in most cases, when you live at a boarding school, your actual "home" address is still your parent's home. Therefore, when you visit them, you are actually at your home address and when you use their car, you would need to be listed on their insurance policy since you "live" at their address. Now, your parent's can talk to their insurance agent about ways to adjust the policy to reflect that although you are still insured to drive their vehicles, the time you would do so is very limited.

Obi Wan Knievel

Since you still live at your parents' house, you should still be listed on their policy as a driver. Most insurance companies, in most jurisdictions, offer some kind of discount for students away at school. How much the discount will be, if there is one, depends on who insures them (which you didn't say) and where you live (which you didn't say).

Anonymous

You don't register for insurance. If you are under 25 in MY State you must be listed as an "alternative driver" on your parents' insurance policy in order to be covered.

Anonymous

Yes, you need to be a named-insured driver on their policy if you drive their car, and no, there are no discounts.