TLTR: This article covers car insurance for college students. it also discusses road trips you can take as a college student and all the insurance policies that you may need.
Are you a college student looking to go on a road trip but you don’t know where to start? Well, you’ve come to the right place. Let us give you suggestions for some student car insurance that will not only help you have a great trip but will also help keep you secure via great car insurance for students.
Road Trip Destinations You Should Consider
Here are some great places where you and your friends can relax and have a great time, with some car insurance info painlessly attached.
Myrtle Beach, South Carolina
Myrtle Beach is one of the most popular and vibrant vacation hotspots in all of South Carolina’s Atlantic coast. Here, you can spend time swimming or playing volleyball with your friends at a beautiful beach, which extends along more than 60 miles of pristine coastline. You will find more than enough places to party there, along with private spots to watch the sunset and relax after a long, active day.
And that’s not all. You can also golf, sample the famous seafood restaurants, and browse in the outlet-style shopping malls. This is an amazing spot for college students, and with student car insurance, you can travel through the town without much worry.
Myrtle Beach is great, but you ought to be cautious. According to Charlotte Stories, the city has been ranked as the 3rd most dangerous in America for 2021. The crime rate is at an all-time high.
Which is all the more reason to make sure you have adequate insurance before visiting. One way to stay financially protected for your valuables is by purchasing personal article floater insurance. Additionally, you can consider these policies:
- Cheap full car insurance coverage
- Travel insurance
Great Sand Dunes National Park, Colorado
So, you want to try something different. Ever tried sandboarding? Ever even hear of it, for that matter? At the Great Sand Dunes National Park in Colorado, you’ll have the opportunity to sandboard, an extreme sport in which you stand on a board and slide down sand dunes. Yep, it’s a lot like surfing, but on dry land! Make it a point to try out this exciting, little-known sport.
The park features huge sand dunes as high as 755 feet, and you can climb and explore 30-square-mile dunes. And all of that is just for starters. Since the park is open 24/7, you can camp overnight and get a clear view of the Milky Way in the smog-free sky.
You can also rent an ATV and explore the soft sand, rocky terrain and creek crossings on the Medano Pass. (Of course, you should make sure you have car insurance!) You can go on a sunset hike and take in the incredible scenic beauty, including stunning waterfalls. This national park really has it all.
Niagra Falls, Ontario, Canada
As reported by the Wallstreet Journal, Canada is finally opening its border with the U.S. After almost a year of Covid-related border restrictions, Americans are free to vacation in the Great White North again. Don’t forget to bring your passport.
Nature has few more impressive sights to offer than the majestic Niagra falls. Check out the Maid of the Mist boat tour, where you can fully experience the falls from all angles. Or, if you plan on renting a boat, be sure to consider a boat insurance policy.
But along with affordable places to stay, the area actually has many more popular attractions to enjoy, some within walking distance of each other.
For instance, you’ll love the magnificent Fallsview Casino, which is just meters away from the falls.
Of course, car insurance is definitely a must for this road trip. Make sure you have it, and make sure it provides the coverage you need.
Note: please check with your insurance provider if your policies are applicable across the border or if you need special coverage for that.
Havasupai Falls, Arizona
If waterfalls in the frozen north aren’t your style, don’t worry. Arizona can offer you Havasupai (Havasu) Falls, another natural attraction that will surely take your breath away. It’s not as tall as Niagra, but it will dazzle you with a stream of sparkling azure-blue water due to the high levels of limestone.
And the falls end in a pool of water that is a perfect place for swimming. What makes it such a great vacation spot is that the pool averages a pleasant 70 degrees year-round.
However, you may have to bookmark this place before you can actually visit in the next few months. According to AZ Central, Havasu Falls is not going to re-open for tourists till sometime in 2022. In the meanwhile, you can still plan a road trip there with your friends.
For this trip we would strongly suggest that you get your hiking gear on and follow the breathtaking trails. But before you do, make sure you have hiking travel insurance!
Key West, Florida
Nothing says “summer fun” like sun, sand and sea, and Key West, Florida, is plentiful in all three! There is quite a lot to see and enjoy in this historic summer vacation hotspot. Take part in the famous watersports, lose yourself in the lively nightlife, and don’t forget about the historic sites with their unique pastel, conch-style architecture.
Of course, the beaches are beautiful to behold as well, but did you know that Key West has the third-largest barrier coral reef in the world?
All of these things combined make Key West a must-see place. Yes, it’s a long drive to get there, but with the right friends, the right car, and car insurance, this could be the road trip of a lifetime.
That said, there is a considerable risk factor involved in visiting Florida, namely, the COVID-19 Virus. As reported by ABC News, Florida has surpassed 50,000 deaths while battling the COVID-19 Delta variant wave.
Now that the virus has been around for a while, insurance providers can help you stay financially protected from the virus. Many insurance companies are now allowing their insureds to add coronavirus coverage. This policy upgrade helps you to pay some medical expenses if you catch the virus.
Here are some other policies you should consider buying:
- Personal liability insurance
- Travel insurance
- Roadside assistance and towing insurance
Smoky Mountains, Tennessee
So, you don’t like the beach, you don’t care much for nightlife and you’re not an artsy person. For you a road trip, or any vacation, means one thing only: exploring the great outdoors. Then Smoky Mountains, Tennessee, is the perfect place for you.
Climb Clingmans Dome, go autumn leaf-peeping, rent a boat and enjoy Fontana Lake. Or walk the Appalachian Trail and find yourself enchanted with the diverse flora and fauna that inhabit the mountains.
Had enough of nature? Don’t worry. You’ll enjoy Dollywood, an amusement park founded by world-famous country singer Dolly Parton in nearby Pigeon Forge.
Smoky Mountains represents the great outdoors at its most magnificent. To properly enjoy it, be sure to get car insurance. Don’t let one accident ruin a beautiful experience.
New Orleans, Louisiana
After a couple days, the beach loses its charm. You need more from a vacation than just lounging around on the sand all day. A relaxing vacation is fine, but sometimes you crave a little excitement, and no place in the country spells excitement with a capital E more than New Orleans.
The most popular time to visit may be Mardi Gras, which usually happens in February, but it’s a great place to visit year-round. Famous for its amazing seafood, vibrant history, and inimitable jazz music.
New Orleans is a truly unique city, plain and simple. In fact, if you are looking for a life changing experience it should be at the top of your list. After all, what are road trips for?
However, given the disastrous Hurricane Ida which hit the state in August 2021, we would suggest waiting a couple of months before you visit. As reported in The New York Times, some widespread, serious damage was caused by the hurricane.
If you’re planning to visit New Orleans, make sure the hotel you stay at is covered by flood insurance. To visit this city, you should consider having:
- Hazard insurance
- Risk insurance
- Travel insurance
Austin, Texas, is known as the drunkest city in the USA. If you’re looking for nightlife to write home about then Austin is the place to go. It’s a good bet that all the bars there are covered by liquor liability insurance.
The summers may be long and hot, but the city has enough attractions that you’ll forget about the heat soon enough. You’ll enjoy unique art galleries, historic sites and museums, outdoor adventure spots, and live music.
Austin is also known as the Live Music Capital of the world for a good reason. Two of the largest music festivals in the entire U.S., South by Southwest and the Austin City Limits Festival are here.
So, get your playlist and your car insurance and head down to Austin for your summer of music. Although such events sound great, make sure that they’re covered with special event insurance. With the policy in place, you can enjoy the events without worrying about any financial liabilities that may arise.
Regardless of where you’re going, it’s important to have car insurance for college students. Since car insurance is mandatory in almost all states, you ought to get coverage from companies that you can truly trust.
The average cost of car insurance for college students is about $110 a month. However, cheaper options are available as well. According to Money Geek, in order to get cheap car insurance for college students, here are some companies to look into:
- State Farm
If you’re looking for cheaper but better options for car insurance, get in touch with our seasoned experts today. Get a free quote from one of our local insurance agents!
Was this article helpful? Let us know in the comments below.
Does My Car Insurance Cover Everyone Inside My Car?
On average, a car insurance policy will cover you and your car. If you give your car to someone else for driving, then the policy will only cover them if they are listed as a driver. Apart from that, the policy will cover anyone who is your immediate family, for example, your parents, siblings, children, and spouse. Besides this, the policy will provide little to no coverage for anyone else in the car.
February 9th, 2023 · 8 mins read
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