Saving money on college students is always welcome advice. There are several options for college-aged drivers that keep your auto premiums affordable, while they are away at school.

100-mile, no car rate reduction

Many schools won’t allow on-campus cars for underclassmen.

If your student is attending a college or university more than 100 miles away from home, and will not be bringing an automobile, Auto Insurance policies can be adjusted for savings, without losing driver coverage at home.

College Student Driver Auto Policies and Out-of-State Insurance

Colstan is your family’s stress-free insurance company. If your student is attending school in the state and bringing their vehicle, we can add them to the policy as a full-time student driver.

Out-of-state? No problem. Colstan is licensed in multiple states across the region, so we can continue to be your family’s first line of assurance no matter where they go.

Vanishing Deductible 

If you are a safe driver, many insurance companies will lower your collision deductible after you have had a certain length of time without any accident claims.

Replacement Cost Coverage

In the event your car is totaled, this coverage will cover the full cost of replacing the vehicle. Standard policies will only pay out the current market value of a car, which takes depreciation into account. Cars depreciate quickly, so Replacement Cost Coverage provides security by ensuring the full cost of a new car is covered.

Medical Coverage

This plan provides coverage for any injuries that you, the other driver or any/all passengers undergo during an accident. If your health insurance plan has low limits, it would be advantageous to add medical coverage to your auto insurance. Medical coverage will kick in after you have exceeded your health insurance limits.

Emergency Roadside Assistance

If you experience car failure on the road, Roadside Assistance Coverage will provide you with towing, changing flat tires, delivering gas, jumping the car’s battery, and other additional services.

Uninsured Motorist Protection

This covers costs if you are in an accident with an uninsured driver.

• Policies can be customized to include these coverages – they are not automatically included.

Multi-Policy – You could save over 10% when you place your auto and home, condo, or renters insurance with our agency.

Multi Car – Receive a discount if you insure two or more cars.

Good Student Discount -Receive a credit if a driver on your policy is in high school or college and maintains a “B” or better grade point average.

Home Ownership -You could receive a discount if you own your home or condo. visit our site  colstan.com/homeowners/ for more info, or call us at 631-266-2800

Our car insurance companies provide knowledgeable, personal claims specialists, and in addition, they dedicate themselves to serving you better.

Defensive Driving Discount

If you take a defensive driving course, you may qualify for a reduction in your auto insurance premium. Once you complete an in-person or online course, you will receive a course completion certificate. Simply submit this certificate to our agency, and your savings will take effect on the date listed. Remember, defensive driving certificates remain valid for three years.

Annual Mileage Credit

You can also receive a discount if you drive fewer than 10,000 miles per year. To learn more about the Annual Mileage Credit and other discounts available, contact our agency today.