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So the way to do the car insurance thing is to change them to "occasional" status so they can still drive on breaks?
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It depends on the policy; talk to your agent. I've taken my kids off entirely -- the agent says I am still covered if they are driving my car, as long as they have not moved home for more than 30 days. My d. is off to Europe & Asia this summer, so that's no problem. My insurance is very flexible about taking the kids off & adding them back again if & when it is needed -- but basically I don't think that either of my kids was ever home long enough for it to become an issue.