Tips to protect new college co-eds - Ahwatukee Foothills News: Community Focus

Tips to protect new college co-eds

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Posted: Saturday, September 15, 2012 4:00 pm | Updated: 4:19 pm, Thu Feb 14, 2013.

 

 

With colleges back in session, many families are busy helping new undergrads navigate adjustments that come with living away from home.

 

For many young adults, this is the first time they must take care of themselves, their property, and cars on their own. To help ease the transition, AAA experts offer the following tips:

 

 

 

Protecting home and property

 

With laptops, cell phones, media devices and other personal effects, today’s college student can easily have more than $10,000 worth of property in their dorm room or apartment. AAA Insurance experts recommend investing in a renter’s insurance policy to safeguard students’ property:

 

• A renter’s policy protects property and provides liability coverage. The property owner will have insurance that covers the dwelling itself.

 

• Annual policies are relatively inexpensive, starting from the low $100 range. Some landlords require tenants to have proof of a renter’s policy before allowing the tenant to move in.

 

• Students whose parents’ address is their primary residence may be covered under their parents’ homeowner’s policy. However, a renter’s policy can help avoid the need to place a claim on homeowner’s policies, therefore, avoiding higher rates and deductibles.

 

 

 

Maintaining a vehicle

 

College is often the first time a young person is responsible for maintaining their vehicle. Therefore, a review of basic car care can help newly independent students stay on top of a preventive maintenance schedule and avoid expensive repair bills:

 

• Ensure your teen knows how to check tire pressure, inflate tires to their proper levels, inspect tread depth, and identify other abnormalities that signal a need for tire replacement.

 

• Review the owner’s manual and show youths where the recommended maintenance schedule is outlined in the book. Explain the importance of preventative maintenance and ensure they understand how to track the maintenance schedule on their car.

 

• Find an honest and reliable auto repair shop near your teen’s school, such as a AAA Owned or Approved Auto Repair facility. If possible, visit the shop and introduce your teen so they are comfortable coming to them with a repair or emergency.

 

 

 

Preparing for roadside emergencies

 

It’s crucial for teens to be prepared in the event of a breakdown or other roadside emergency, as mom and dad may no longer be at their beck and call. Ensure students have a roadside provider to provide parents and their undergrads with peace of mind and benefits including:

 

• Reliable emergency roadside service that follows them, regardless of who they are driving or riding with. Services include towing, mobile battery jump or replacement, tire changes and lockout service.

 

• Access to automotive and renter’s insurance planning through dedicated insurance agents.

 

• Discounts at more than 160,000 locations around the world, which helps members save more than $100 a year.

 

For many young adults, college is the first step toward independence. And while it’s important for students to be prepared academically, it’s equally important to prepare them for responsibilities beyond the classroom.

 

 

• Linda Gorman is communications and public affairs director for AAA Arizona. Reach her at (602) 650-2716 or lgorman@arizona.aaa.com.

 

Tips to protect new college co-eds

With colleges back in session, many families are busy helping new undergrads navigate adjustments that come with living away from home.

For many young adults, this is the first time they must take care of themselves, their property, and cars on their own. To help ease the transition, AAA experts offer the following tips:

Protecting home and property

With laptops, cell phones, media devices and other personal effects, today’s college student can easily have more than $10,000 worth of property in their dorm room or apartment. AAA Insurance experts recommend investing in a renter’s insurance policy to safeguard students’ property:

• A renter’s policy protects property and provides liability coverage. The property owner will have insurance that covers the dwelling itself.

• Annual policies are relatively inexpensive, starting from the low $100 range. Some landlords require tenants to have proof of a renter’s policy before allowing the tenant to move in.

• Students whose parents’ address is their primary residence may be covered under their parents’ homeowner’s policy. However, a renter’s policy can help avoid the need to place a claim on homeowner’s policies, therefore, avoiding higher rates and deductibles.

Maintaining a vehicle

College is often the first time a young person is responsible for maintaining their vehicle. Therefore, a review of basic car care can help newly independent students stay on top of a preventive maintenance schedule and avoid expensive repair bills:

• Ensure your teen knows how to check tire pressure, inflate tires to their proper levels, inspect tread depth, and identify other abnormalities that signal a need for tire replacement.

• Review the owner’s manual and show youths where the recommended maintenance schedule is outlined in the book. Explain the importance of preventative maintenance and ensure they understand how to track the maintenance schedule on their car.

• Find an honest and reliable auto repair shop near your teen’s school, such as a AAA Owned or Approved Auto Repair facility. If possible, visit the shop and introduce your teen so they are comfortable coming to them with a repair or emergency.

Preparing for roadside emergencies

It’s crucial for teens to be prepared in the event of a breakdown or other roadside emergency, as mom and dad may no longer be at their beck and call. Ensure students have a roadside provider to provide parents and their undergrads with peace of mind and benefits including:

• Reliable emergency roadside service that follows them, regardless of who they are driving or riding with. Services include towing, mobile battery jump or replacement, tire changes and lockout service.

• Access to automotive and renter’s insurance planning through dedicated insurance agents.

• Discounts at more than 160,000 locations around the world, which helps members save more than $100 a year.

For many young adults, college is the first step toward independence. And while it’s important for students to be prepared academically, it’s equally important to prepare them for responsibilities beyond the classroom.

• Linda Gorman is communications and public affairs director for AAA Arizona. Reach her at (602) 650-2716 or lgorman@arizona.aaa.com.

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