It’s that time of the year when the kids head back to college. This year, your child wants to take his or her vehicle back with him or her. “What could go wrong?” your child asks, as you casually turn on “Animal House” to show the scene when D-Day turns Flounder’s car from a vehicle to the “Death Mobile.”

Be aware of a couple things when your child takes the car to school. First, no matter who is driving (as long as they have permission), your policy will respond for coverage, and that means there is a chance your premium could increase due to losses. When notifying your carrier of the new garaging location (school), the underwriters may want to know who your child is living with, and they may want to get those individuals’ driving records, since roomates could have access to the vehicle. Depending on their records, this could become a problem.

A new premium for the vehicle could come with a new garaging location. The rates are based partially upon where the vehicle is garaged, so the premium could increase. Will the student be driving more? Is he or she living on or off campus? Is the vehicle garaged or parked on the street? All of these things could affect the premium rate.

So, if your child is heading back to school with the car, call us and we’ll be able to make sure he or she is covered properly and you have one less thing to worry about.