I’m pretty sure you’re completely fine. Your son is driving the car much less, which is why the rate is lowered (less driving=less risk).

As long as you still pay and he actually does only drive the amount of miles you say he will, you’ll be fine. If you have any worries, your company should be able to clear up anything confusing. Just make sure he still has a policy, he’ll surely be driving other peoples cars at school occasionally and you need to make sure he’s still covered for that situation.

It’s an easy insurance deduction!

Ever wonder why coordinated auto plans cost less? Because coordinated coverage means that your auto insurance company does not have to start paying medical expenses until after your medical insurance is used up. Though my rep tried to convince me not to, I happily pay $90 more a year to keep my coverage UNcoordinated.

Should a catastrophic auto accident occur, the last thing you want to have to worry about is making sure your auto and health insurance providers are playing nice with each other AND your hospital. Keeping things uncoordinated keeps both resources available simultaneously. In fact in many cases, your auto coverage will pay medical expenses before your health insurance ever comes into play.

@Chris – Ask your local independent agent. They’ll know how the company would respond to certain types / quantities of speeding tickets, DUIs, etc.

A couple things to consider when you’re shopping around for insurance. Most people buy 100% on price. If money is tight, that is understandable. However, for a savings of $3-$5-$10 per month, don’t overlook your local independent insurance agent. We have more to offer than Geico can ever dream of. We’re there in the flesh and that makes it crucial for us to provide our best customer service every single time.

- I get a lot of 20-something drivers coming in with their Geico policy with abysmally low limits. If they were to injure someone, they would be destitute for the next 20 years trying to pay for someone else’s medical bills. Geico doesn’t really explain the coverage or weigh the benefits.

- At the time of a claim who would you prefer? Someone who knows you and has worked with you to make sure you have adequate coverage or some call center employee #54932?

- Independent agents that are worth their salt are there for the insured, not the company. We fire companies every now and then if they abuse our clients.

We have some people who are price-drive consumers. They come and go. However, if someone has a claim with us they stick with us for 20+ years because our insured’s satisfaction is our #1 priority. You are our meal ticket and as long as you’re not rude to my CSRs, I will bend over backwards to make you happy.

I can compare rates, but I am having a difficult time with the service aspects.

In the end, online company saved us money, reps were very polite & as helpful as they could be, but local agent knows ins & outs of insurance for our particular state & was able to save us more (overall) by putting H/O and auto with same company. Just having their knowledge available & being able to go to their office and get everything taken care of personally is worth the price of slightly increased auto policy premium, not to mention all the time lost that I spent on the phone & going to DMV to try & get this particular issue resolved.

Also, when reducing your car insurance costs, be careful to maintain the right level of liability coverage. If you have a high net worth, it’s important that your liability coverage is at least equal to your net worth plus a year’s worth of earnings. It’s great to save money on insurance, but be sure you’re getting the best deal for the appropriate level of coverage.

@ Nickel – the best discounts are through the bundle assuming you have a standard driving history. We can’t come close to our current insurance costs with another company when shopping an individual policy.

GEICO offers an online course, its about 50 or 60 bucks, but once you take it, you can save 10% for the next 3 years. I broke even after the first year and over the next 2 years will save a good bit.

The course only took an hour or so to complete! Talk about a good use of time!

Call up GEICO, they had about 10 different online courses that worked, I’m sure the other big ones have similar stuff.

I also recommend reading every word of your policies. It’s very educational, and they shouldn’t be hard to read. Most of them are written in very plain English these days.