Big life transitions have a way of quietly affecting your insurance — and sending a dependent off to college is one of the most common ones we see at Mercer Agency. If your college student is heading to school without a car, there’s a good chance you’re leaving money on the table by not updating your policy.
What Michigan Parents Need to Know
- Students living away at school without a vehicle may qualify for a significant discount on your auto policy
- Your dependent is typically still covered when they come home and drive your vehicle — but the details matter
- Failing to update your policy means you could be paying full rates for a driver who isn’t behind the wheel day-to-day
The Details Matter More Than You Think
Every policy handles away-at-school discounts and dependent coverage a little differently. Coverage eligibility, mileage assumptions, and discount qualifications all vary — and they don’t update automatically when your family situation changes. This is exactly the kind of thing that slips through the cracks during a busy back-to-school season. And it’s exactly what we’re here to catch.
What You Should Do Before the Semester Starts
Confirm whether your dependent qualifies for an away-at-school discount under your current policy
Verify how your policy handles coverage when your student returns home and drives your vehicle
Review your overall auto policy limits to make sure nothing else has been overlooked
Let’s Take a Look at Your Policy Together
A five-minute conversation with our team could mean real savings on your next renewal. At Mercer Agency, we don’t just sell policies. We make sure they actually work for your life.
