The Californer - Teen Drivers, Dorm Parking, and Insurance: What to Know Before the Fall Semester

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LOS ANGELES, Aug. 8, 2025 ~ As the new school year approaches, many students are gearing up to head off to college with their vehicles in tow. However, this exciting time can also bring about new responsibilities, especially when it comes to driving and parking. In light of this, Mercury Insurance is offering expert tips to help families avoid costly surprises and ensure they have proper coverage wherever the road may lead.

Justin Yoshizawa, Director of State Product Management at Mercury Insurance, emphasizes the importance of being aware of unique insurance considerations when a vehicle is being used on or around campus. "We want to make sure students and parents alike are informed and prepared, so they can stay protected while avoiding common mistakes," he says.

To help college-bound drivers navigate the world of insurance, Mercury Insurance has provided some key tips:

Firstly, it's crucial to update your auto insurance policy if your teen is taking a car to college. This includes updating the garaging address as coverage and rates can vary depending on the vehicle's primary location.

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If your student is leaving their car at home while away at school, you may qualify for a reduced rate. Mercury offers discounts for students who attend college more than 100 miles away and don't have regular access to a vehicle.

Dorm and campus parking lots can be crowded and vulnerable to dings, theft, and vandalism. To protect against these risks, make sure you have comprehensive and collision coverage in place. Additionally, remind your teen to lock their car and avoid leaving valuables inside.

It's also essential for students to familiarize themselves with campus parking policies before move-in day. College campuses and nearby neighborhoods often have their own regulations that must be followed. Failure to do so could result in fines, towing fees or even impound fees.

For added savings and peace of mind, consider bundling your auto insurance with renters insurance through Mercury if your student will be living in a dorm or off-campus housing.

For more information on student driver insurance, dorm parking tips, or to request a quote, visit Mercury Insurance's website at www.mercuryinsurance.com/resources. With these expert tips in mind, families can ensure they are properly covered and avoid any costly surprises while their students embark on this new chapter in their lives.

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