Back-to-School Time: Are You Covered?

When it's time for the kids to go back to school, there seems to be a to-do list a mile long in preparation for the day. But many don't realize that evaluating insurance coverage is an important part of preparing for back-to-school. Moving to a college campus, learning to drive and other changes require an insurance assessment to make sure you and your children are properly covered.

Auto Insurance

If your child will be getting their drivers license sometime during the school year, start preparing now. Adding a teenager to your auto insurance will make your rates skyrocket. You can minimize the damage by comparing quotes and on discounts offered by auto insurance companies. Ask agents to check into discounts for students with good grades, it can be a nice incentive for your teen during the school year. Sometimes additional defensive driving courses can net a discount and most importantly, promote safer driving habits.

Home Insurance

If your child is moving on campus, their belongings may be covered under your home insurance policy. A child staying in a rental off campus will need their own renter's insurance policy to protect their possessions. Laptop computers, bikes, MP3 players...these are all very expensive to replace if stolen. Make sure you are covered.

Health Insurance

Make sure your children have some sort of health insurance so they can receive flu vaccines and other care. Sometimes the state sponsors health insurance for children if you do not have a plan. If health insurance cost is a problem, raising the deductible is a good way to lower costs. Children who go off to college may still be able to stay on your health insurance plan. Many universities offer health insurance for students. They can also purchase an individual health insurance policy.

Whatever you need, 2insure4less.com is here as your insurance resource. The best way to get low rates on insurance and to save money is to get free competing insurance quotes. 2insure4less.com makes it quick and easy with only one form that can be completed in minutes.