Yeah, the age cap thing really threw me off too. My cousin tried to get the discount at 24 and they just flat-out said nope, even though she was still in grad school. Has anyone actually found an insurer that’s a bit more flexible on the full-time status? I’ve heard rumors but never seen it in practice. It’s wild how much they nitpick over the tiniest details... almost feels like they’re just looking for reasons to say no.
- Ran into the same wall with my oldest—she was 23, still in college, but apparently that’s “too old” for a student discount.
- Tried calling around, but every company I talked to was super strict about both age and full-time status.
- Honestly, it’s like they’re waiting for you to trip up on a technicality.
- You’d think being in grad school would count for something, but nope... rules are rules, I guess.
- If anyone’s actually found a loophole, I’d love to hear it, but I’m starting to think it’s just insurance urban legend.
You’d think being in grad school would count for something, but nope... rules are rules, I guess.
Yeah, ran into the same nonsense with my daughter. She’s 24, still in school, but apparently “full-time under 23” is the magic combo. Tried three different companies—no dice. Honestly, unless you’re willing to switch to some tiny regional insurer (and risk worse coverage), there’s just no wiggle room. They’re strict for a reason, but it’s frustrating when you’re doing everything right and still get shut out.
Been there, done that—my son hit 23 and poof, discount gone. Tried arguing “but he’s still living off ramen and textbooks,” but the agent just laughed. If you find a loophole, let me know... I’m still paying full price for his clunker.
Yeah, the magic 23 cutoff gets everyone. Honestly, I’ve seen parents try everything—report cards, proof of ramen diets, you name it. Most companies just don’t budge. Only “loophole” I’ve seen is if he’s in grad school, but even that’s hit or miss. Insurance math is wild sometimes…
