Other student car insurance considerations – out-of-province, international, and US students
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Car insurance for international students
International students who plan to have a vehicle and drive while in Canada can expect to pay about the same premiums as domestic students. The same factors will be considered by insurance companies – age, experience, vehicle, and driving record.
Out-of-province student car insurance
If you plan to study outside of your home province, it's important to know the insurance rules for the province where you will be attending school. Typically, you can keep your current insurance if it's valid and up to date. Make sure you notify your insurer of your intention to go away for school. Provide them with updated contact information. In some instances, it may be more affordable to get coverage in your new location. Again, talk with your insurer about your options.
Car insurance for international students in the USA
If you are a Canadian student and planning to go to college in the United States, it's important to speak with your insurer about your insurance options. Rules and regulations vary by state. Get clarification about the steps you need to complete before you go away to school.
About students and parents insurance policies – should you be on their plan or have your own?
As a student, you may be covered by your parent's policy if you live at home. Check with your parent’s insurer to see if you are listed as an occasional driver. Another option you have is to bundle your vehicle with your parent’s policy. This will qualify you for a multi-car discount.
College and university students can stay on a parent’s policy. It’s usually the most cost-effective option. Compare your options to ensure it’s the most affordable option for you and your parents.
