College students should focus on their studies instead of worrying about something bad happening. One good way to achieve peace of mind is by purchasing insurance coverage. To help, Barron Mutual Insurance Company in Wisconsin offers some insurance tips for college students. This information should help you get the right coverage at the right price and let you concentrate on doing well in class.

Health Insurance

The Affordable Care Act (ACA) says that college students can remain on their parents' plans until the age of 26, so you might already be covered. However, if you are not covered by a parental policy, you can often purchase inexpensive health insurance through your college. Many institutions offer group plans that are billed with tuition, room, and board that student loan or grant amounts can help pay for. If you are no longer a dependent, you might also be eligible for subsidized coverage under the ACA.

Auto Insurance

Insurers have found a correlation between responsible driving habits and scholastic success, so many offer a discount to students who get good grades. If you regularly achieve a B average or make the dean's list, ask your insurance agent if you qualify. The age cutoff varies, but many insurers offer this discount to students well into their 20s. Additionally, if you are on your parents' auto insurance plan, do not have a car at school, and attend college more than 100 miles from home, you could qualify for a "distant student" discount. This reduces your cost of coverage but keeps you insured when you return home for holidays and breaks.

Renters Insurance

You might believe that your landlord's insurance policy covers your belongings, but this is usually not the case. When you live off campus, it's important to protect yourself with renters insurance. It covers your personal property, guards against liability if you should accidentally injure someone or damage property, and handles the legal fees if you should be sued for an on-site accident.

The tips above should help college students choose affordable insurance that offers the protections they need. For invaluable guidance, contact Barron Mutual Insurance Company. They've been serving northwestern Wisconsin since 1891 and also specialize in seasonal property, mobile home, and farm insurance. Visit their website or call (715) 537-5141 today to request a quote.