When Should You Not Have Full Coverage Auto Insurance. The friend's insurance should provide primary coverage for your student if they are involved in an accident or moving violation. Policies and coverage offered by insurers will vary by state.
If you have a vehicle that, if totaled, would result in an insurance payout of $5,000 but you’re covered for over $10,000, you may be paying for more coverage than you need and should consider lowering coverage amounts. That’s because, if you have an accident, the car has so little value that you’re not going to get a big, fat check to replace it. How to decide if you should drop full coverage.
Discourage them from driving a friend's car while away at school;
Full coverage insurance for older cars is often too expensive. All insurance products advertised on coverage.com (the “site”) are underwritten by insurance carriers that have partnered with homeinsurance.com, llc. But you can usually drop full coverage insurance if you have a clear title on the vehicle. If not, then you probably want to keep full coverage.