I am a college student and I am only thrice a year and will be driving my parent’s car in Ames, Iowa. I do not operate a vehicle in college and I was just wondering if there is any way I will be covered under my parent’s car insurance policy while I am home.

Mark

Ames, IA

If you will be driving your parent’s vehicle when you are home in Ames, Iowa, you will need to contact their car insurance company to determine what to do so you will be covered when you are home and driving your parent’s vehicle. If you are still using your parent’s address as your permanent residence, the car insurance carrier may still consider you as a household member and add you to your parent’s car insurance policy. In this way, you will be sure that you will be covered when you drive your parent’s automobile.

Insurance carrier’s rules and guidelines varies that is why it better to discuss your situation to your parent’s car insurance policy because most car insurance companies require that policyholder must list all household members including those teenagers that are away at college that may drive the car when they are home.

I am from Ames, Iowa and have a license and my car is registered in that state.. I am going to college in tha state of Texas and I was wondering if I am looking for auto insurance, do I get a quote from my residence in Iowa or should I want to insure my car from where I am living at school in the state of Texas?

James

Ames, IA

This will actually depend to the individual insurance provider, however if your residence is in Ames Iowa, you may be able to use the Iowa residence and zip code to get a quote – since you will going to be away in college in Texas and not a resident there.

Some insurance carriers will permit an insurance policy for a vehicle that is away at school in a different state, which in your case is in Texas, while other insurance provider’s guidelines may not permit for this since the vehicle will be mainly driven and garaged in another state.