LOS ANGELES, Aug. 17 /PRNewswire/ -- There are many changes that come with a family member's moving out of the house to attend college. Even though the insurance implications of such a change may not be of the highest priority to recent high school graduates, making sure that coverage is sufficient, in place and cost effective is a necessity. Considering the rising costs of college textbooks, supplies and tuition, families with soon-to-be freshmen may want to compare quotes through sites like OnlineAutoInsurance.com in order to evaluate the available options for maintaining coverage.

The best route for maintaining car insurance for teenagers going away to college is not always obvious. Younger motorists driving off to school may be doing so in an auto that is self-owned or in a car that's parent-owned. If the student owns the automobile, chances are that the vehicle is insured through a policy separate from a parent's. But if a parent or guardian does decide to send the new student off with a family-owned car, there will most likely be the option of keeping him or her on the same insurance policy or creating a new one.

A family can easily find out how much it would cost for a new, separate policy for the student by using an online quote generator. This tool may also provide valuable insight since it will give a quote based on where the car will be garaged, which is an important factor used by auto insurance companies to determine rates. If the new freshman is moving from a rural area to a college in a densely populated urban area, the insurance rates are likely to fluctuate greatly. Also, soon-to-be college students should go to the insurance department website of the state in which the college is located in order to find the mandated minimum coverage levels. Online shoppers can visit http://www.consumeraction.gov/insurance.shtml to access a directory of these sites.

If the prospect of paying for coverage in a more urban area with higher coverage levels leads a family to decide to keep the car at home, the family may want to keep the student covered under the existing policy. Some auto insurers will extend discounts for students living a certain number of miles away from home, and keeping the student on the family policy could prove important during holiday trips home.

Although sites like http://www.onlineautoinsurance.com/teenagers/ have a wealth of information on auto insurance matters and enable shoppers to get a quick and free quote comparison, consumers should always check with their carriers to find out how a big change, such as a child moving away to college, could affect a specific policy.  

SOURCE Online Auto Insurance, LLC

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