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As summer approaches, many college students look forward to returning to their home towns for the long summer vacation. In order to enjoy freedom of movement during the summer, these young people will need to ensure that they have access to a car that is insured for them to drive. If you are a college student who is looking forward to a summer of enjoying the open road, take a look at these insurance tips for student drivers.

Students are likely to be covered under their parents' auto insurance policy, if the parents' house is the student's primary address. However, many students who moved away from home to attend college do not fall into this category. If you plan to use a car on campus, you will need your own insurance policy.

If you only drive during the summer vacation, you can stay on your parents' car insurance policy. In this case, the best way to keep the costs low for the whole family is to only pay for the coverage you need. Some insurance companies allow parents to add their college-age children to the policy for only the part of the year that they are at home, which reduces the total cost.

If you have your own car that you take to college with you, then you will need your own insurance policy. If the college you are attending is located in a different state than your home state, then you need to make sure you choose an insurance policy that meets the insurance requirements of both states. 

What if you aren't planning to spend much time at your parents' home over the summer? If you are only likely to drive their car on a few occasions throughout the year, then you probably do not need to be included on their insurance policy. Most insurance policies include coverage for guests not named on the policy, as long as they are only occasional drivers of the car.

One way for college students to save money on summer car insurance is to work hard during the rest of the year. Some insurance companies offer discounts of up to 15% for students who get good grades at college.

The best way to determine whether you are covered on the car you plan to drive during the summer is to check with the insurance company. If you have questions about summer auto insurance for college students, call Tom Jones Insurance, your Millersport independent insurance agency, at 740-467-2040 today to get advice on your insurance needs.

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