If you live in Hawaii and have college-bound kids, there are some things to consider before adding or keeping them on your family car insurance coverage
If you are like most Hawaiian parents, the thought of sending your child off to college is a bit harrowing, especially if s/he is leaving the island for school. When it comes to car insurance coverage, college student drivers can have higher rates for coverage and if you plan on adding or keeping a college student on your Hawaii family car insurance coverage, there are a few things you should consider.
One of the first best tips for parents of Hawaii college student drivers when it comes to saving money is to notify your insurance company if your student will be living away from home while attending school (provided 
that the student is not taking a car to school with him or her.) You may be able to remove your child from your policy while he or she is off at school, which will significantly reduce your rates. Unless the student is home for a month or longer, you do not have to add him or her back to the policy, which means that the student can still drive your car as a guest driver while visiting for Christmas or other school holidays.
If your student is taking a car to school with him or her or will be living at home while commuting to college, Hawaii college student drivers can also help their parents to get a lower rate by getting good grades. Nearly all insurance companies offer policyholders the opportunity to save big if a student driver listed on the policy maintains a particular grade-point average. Check with your insurer to see if your student's grades qualify you to save.
Another way your student can help you to save on your insurance premiums is by taking defensive driving classes or other driver education courses. These courses are often offered by high schools, community colleges, or through private instructors. There may also be a driving school in your area that offers driver's education courses that could qualify your college-bound child for a reduced car insurance rate.
Although you may be unable to keep the rates from going up on your Hawaii family car insurance coverage when you add your children to the coverage, college students that obey the rules of the road can keep you from seeing further rate increases. By teaching your student to respect traffic laws, you can prevent tickets and
accidents that can not only cause your rates to go up even more but that can cause your student to get injured or to injure someone else. Encourage your student driver to:
- Follow all posted speed limits
- Avoid following other cars too closely (don’t tailgate!)
- To wear a seat belt while driving
- To require any passengers to buckle up too
- To refrain from texting or cellphone conversations (even hands-free) while driving
Parents can also cut costs to offset the expense of a student driver by looking for discounts from your car insurance company. Most insurers offer discounts for insuring multiple cars or for being a member of an auto club, like AAA. Others may give discounts to members of the military or to drivers who have a good driving record.
To get the best coverage at the best rates, you will want to support of an expert who understand Hawaii car insurance issues. Reply! can help by connecting you to just such a professional, today.