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Young adult drivers can be expensive to insure. We have a lot of calls from parents wondering when they can remove their college-age child from their policy. Typically, students must be attending college more than 100 miles from home without a car on campus to qualify. While removing your student can decrease your rates by as much as $1000, take into account these suggestions when making your decision.

1. It doesn’t come standard Typically, it needs to be added by endorsement by your agent. At St. Joseph Agency, we typically add it to homeowners policies and have seen many claims resulting from water backup. The last thing you want is a basement full of water and no money to cover the cleanup. Time is also a factor. If the standing water is not taken care of immediately, it can do more damage to your home.

It is important to note that in Indiana, all licensed drivers under age 21 have a Probationary Driver’s License. This license comes with a variety of restrictions including: No use of telecommunication devices while driving except to call 911.