Auto Insurance Co

Reader’s Question:

Can I get auto insurance even if I only have a restricted driving permission here in Hawaii?

Gus A.

Ewa, HI

It is possible for you to get auto insurance coverage even with a restricted license or driving permit but it would still depend on how lenient the auto insurance provider’s policy is regarding this matter. Normally, an auto insurance company would be very reluctant to do this until you get your license back.

The first thing you would want to do is to either talk to an experienced auto insurance agent that can help you find a provider who would be willing to offer you coverage, or if that is not an option, you can use this web page, also known as an auto insurance portal, to get rate quotes from many carriers so that you can compare rates and premiums to get the most affordable deal.

One you are granted coverage, here are some additional information and tips to help you get your driving record back on track.

1. Take defensive driving classes which will help you become more skilled in keeping yourself (and your passengers safe) while driving. Talk to your provider first and ask for a list of accredited driving schools there in Hawaii so that you are sure to get the discounts.

2. Consider increasing your deductibles, this will lower your premiums. Also consider driving a less expensive vehicle since it would cost less to insure.

3. Follow the rules. You don’t want anymore violations (even minor ones) at this stage. Further violations would not only prolong you from getting lower rates in the future, it may actually cause your insurance rates to go further up.

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