College Parenting 101: How To Save Money on Student Auto Insurance
College Parenting 101: How To Save Money on Student Auto Insurance
What is the most important car insurance coverage available and needed for your college student driver?
It is really a loaded question. Of course, the most important car insurance coverage is the one you need at the time of loss. At Wheat State Insurance Group, we can help you decide what coverages you might need for your student that will give you peace of mind and potentially save you money.
We can help you with a variety of potential discounts designed to help parents curtail the costs of auto insurance. Among the many that are worth exploring to see which suits your family’s needs best include:
1. Student Away from Home Discount: Do you have a student attending college in another city or state? If you do and their vehicle is still at home, you can qualify for a discount. Paying less on the premium you are paying for listing them on your policy while they are not driving as much when at college can be a huge money-saver!
2. Good Student Discount: Many carriers offer a discount for your student’s good grades. Depending on what their GPA is, you can have bragging rights AND save money on your child’s insurance premiums.
3. Safety Course Discount: If your student has successfully completed a safety course, you could qualify for a discount once the certification has been given to us. Those driver’s ed courses can pay off financially for you and your child!
At Wheat State, we want to make sure that you and your student are getting all of the available discounts that you may be eligible for. We want you to be familiar with your auto insurance coverage for you and your student and we believe you shouldn’t have to pay too much for insurance. Give us a call before your student heads to their new learning adventures and see if we can help you save some money!
So simple to make at home and 1000% worth the little effort it requires.
The Summer Go Bag: A Tiny Kit That Saves the Day Summer has a way of making “quick little outings” turn into full-blown adventures. A trip to the pool becomes dinner on the way home. A Saturday errand turns into a stop at the park. A lake day somehow requires 47 items, three snacks, and at least one person asking, “Did anyone bring sunscreen?” Enter: The Summer Go Bag . It doesn’t have to be fancy. It doesn’t have to be perfectly organized. It’s just a small tote, backpack, bin, or canvas bag you keep stocked with the little things that make summer life easier. Think of it as your warm-weather backup plan. What to put in your Summer Go Bag: Sunscreen + bug spray Because nothing ruins a good day faster than realizing you needed both about two hours ago. Reusable water bottles Keep one or two empty bottles in the bag, or toss in a couple of bottles of water before you leave. A small first-aid kit Bandages, antiseptic wipes, pain reliever, allergy medicine, and any must-have family basics. Phone charger or power bank Especially helpful for road trips, long days out, or those “I swear my phone was at 42% five minutes ago” moments. Wet wipes + tissues For sticky hands, spilled drinks, mystery car messes, and every parent/grandparent/aunt/uncle who has learned the hard way. A lightweight towel or blanket Great for parks, wet seats, surprise splash pads, outdoor concerts, or impromptu picnics. A few snacks Granola bars, crackers, trail mix, fruit snacks — anything that can survive a little heat and prevent a hunger-related family incident. Plastic bags or a small trash bag For wet swimsuits, muddy shoes, snack wrappers, or anything you don’t want touching the rest of your car. Spare sunglasses or a hat Simple, useful, and always appreciated when someone forgets theirs. Pet basics, if applicable A leash, collapsible water bowl, waste bags, and a small towel can make pet-friendly outings much easier. Where to keep it: Your car is usually the easiest spot, especially if you’re often on the go. If your vehicle gets too hot, keep heat-sensitive items like sunscreen, medicine, and snacks inside the house and toss them in before you leave. You can also make a smaller version for: Pool bags Lake bags Sports practices Road trips Grandkid days Dog park visits The real trick: Restock when you get home The Go Bag only works if it’s ready when you need it. After a busy weekend, take two minutes to replace what you used: snacks, wipes, sunscreen, bandages, water bottles, or plastic bags. That tiny reset makes the next outing so much easier. Summer should feel a little more spontaneous — and a little less like you’re packing for an expedition every time you leave the house. A simple Go Bag won’t solve everything, but it might just save the day.
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Insurance can be confusing — and most people have questions they feel like they should already know the answer to.
Insurance can be confusing — and most people have questions they feel like they should already know the answer to.
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January 2026
