It’s graduation season in South Texas, and for many families, that means more than cap-and-gown celebrations—it means road trips. Whether you’re a proud parent planning one last vacation together or a recent grad packing up for a summer adventure, there’s one thing you shouldn’t forget: insurance.

As local agents at Payne Insurance Group, we often get questions like:

“Do I need to add my teen to my policy before they drive out of state?”
“Should I keep paying for full coverage if they won’t use the car all summer?”

Let’s walk through a few key things to check before you hit the road this graduation season:

Do I Need to Review My Policy Before a Road Trip?

Yes. If you’re crossing state lines, make sure your current auto insurance meets other state minimums. It’s also smart to check for coverage like roadside assistance, rental car reimbursement, or towing—especially if you’re headed out on a long trip.
Payne Pro Tip: A quick review with your local agent can help spot gaps or savings you didn’t know you were missing.

Should I Add My Graduate as a Named Driver?

If your recent grad is planning to drive a family vehicle, make sure they’re added to your policy. If they get in an accident and aren’t listed, your coverage could be denied.
Even if they’re only home for summer, adding them protects you both.

Is Comprehensive Coverage Really Necessary?

For long road trips or college-bound students, yes. Comprehensive insurance helps cover things like hail, theft, falling branches, or hitting a deer—risks that don’t involve another vehicle.
Bonus: If your grad is headed to a new area or parking outside often, this is a smart add-on.

What If We Need to File a Claim While Traveling?

Always have access to digital or printed ID cards and claim contact info. If your phone dies or you’re in a no-service zone, you’ll still have what you need.
Payne Insurance Group clients can access policy details 24/7 through our online portal.

Can I Adjust My Policy If My Student Is Leaving the Car Behind?

Yes! If your student won’t be using the vehicle this summer, talk to us about temporarily lowering your coverage to save some money.
We can help you adjust your plan without sacrificing protection.

Whether you’re driving across Texas or sending your grad across the country, Payne Insurance Group is here to make sure you’re covered every mile of the way. Click here to schedule a quick policy review before your trip.