Is it better to get my own insurance when I go to College? Or should I stay on my parents’ policy?

It’s totally up to you. There are good reasons for or against each option. For instance, if you stay on your parents’ policy, they can take advantage of multi-car discounts and possibly get better rates because of their life stage and stability. On the other hand, if your parents have an expensive car, their rates could go up because you’re now driving it. If you get your own policy, you’re in total control of your coverage options and payment terms. On the other hand, your rates may be higher because you can’t take advantage of your parents’ pricing.