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Occasional driver is the person who drives the car less frequently compared to the principal driver.
Most of the time, children or teenagers are categorized as occasional driver in regards to the auto insurance.
Having your children classified as the occasional driver could give them a lower car insurance premium rate.
The thing that you should consider is that the rate depends on the frequency of them using the cars, especially when they are going to the college which is a number of miles away from home. This will for sure increase the insurance rates.
The solution for this might be by simply giving permission for them as full-time students to be away .. staying at the college.
Of course, you can always hide the truth about your teenagers going to college from home daily. However, this alone can be risky as misleading insurance company could get you blacklisted forever if found out.
On the other hand, if you sense that your insurance agent is a little on the shady side, you may want to move to another auto insurance agent that suit your needs.