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  • Lombardo Espinoza

Back to School Insurance Tips



“With your head full of brains and your shoes full of feet, you’re too smart to go down any not-so-good street.” - Dr. Seuss.


As Back-to-School season is in full swing and summer ends, comes an opportune moment to look over your insurance policies and ensure that everything is up to date and if there are any new potential savings.


Auto Insurance


As kids begin to grow up, they yearn for more and more independence, and at 16, their focus is on driving. Adding new drivers to your insurance plan can be costly, but there are a couple of ways that you can save money.


First, ask your teen to take a safety course, as many companies lower premiums for young drivers if they have taken driving safety classes. There are also the added benefits of your teen being more knowledgeable on the road, thanks to the driving safety classes. Another potential saving is the Good Grades Discount, in which a student with a 3.0 GPA or higher could save up to 5% on their insurance premium; the only requirement is to maintain said GPA at a minimum of 3.0. Speaking of discounts, there is one more discount, though primarily pertaining towards college students. If your child attends a school at least 100 miles from home, there is a discount known as a “Resident Student Discount.” The Resident Student Discount presumes that your child would be a lower-risk driver, as they would only occasionally drive your vehicle. From this discount, you could see your monthly bill lower by up to 30%.


Home Insurance


Children leave our nest and embark on their own adventures at some point or another. Those with kids leaving off for college and living in dorms may find it a good idea to have some of their child’s items under their policy.


We’ve all been there; you have something nice in your dorm, you leave, and your dorm mate invites some people over, and when you come back, your nice item is gone. Including their items in your policy would allow them to replace any stolen items, so long as they have been placed under your policy.


Back to school, whether a first-timer entering kindergarten or a child packing up for college, is an exciting time for families, and you have to prep to go into a new season with its unique challenges. Make sure your family, home, assets, and lifestyle are fully protected with all the necessary insurance.

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