Hawaii Auto Insurance

Hawaii auto insurance policies protect you physically and legally when you're on the road. Carrying a minimum amount of protection is the law in the Aloha State, but many of the residents of these peaceful islands choose to buy more protection than the law requires. To ensure that you, your loved ones and your auto are secure on the highways and city streets, talk with an expert Hawaii car insurance agent about the options you have for safeguarding yourself and your assets.

Your auto represents more than a means of transportation. As a financial asset, your car can be considered part of your net worth. By supplementing your basic liability plan with collision and comprehensive insurance, you'll be able to protect the value of your vehicle over the years. Safeguard your auto from damages in an accident, hurricane, fire or flood by purchasing options that cover these contingencies.

Hawaii Automobile Insurance Professionals

The state of Hawaii consists of a series of islands in the Pacific Ocean. Because importing food and other goods from the mainland can be costly, prices of certain products may be higher in HI. However, you should be able to find affordable Hawaii auto insurance, especially if you take the time to look for a qualified, competent agent.

These days, insurance companies make themselves very approachable to consumers. Though many Hawaiians bought insurance from agents in the past, more drivers are setting up their own contracts directly through an insurer these days. Many of these companies offer bargain-basement rates in their advertising, but some Hawaii consumers find that they don't get the same deal when it's time to sign a contract.

Compare Hawaiian insurance quotes from a number of providers before you make a commitment. Shopping for free estimates carries no obligation, and the investment in time will be worth the money you save. If you decide to work with an agent, make sure that he or she is licensed to sell Hawaii auto insurance. Protect yourself from insurance scams by asking about your agent's experience, training and credentials. Qualified HI professionals are proud to tell you about their background and accomplishments.

A captive agent, also known as an exclusive agent, sells policies from only one company or group of companies. These agents are more limited in the options they can provide. However, they offer an insider's knowledge of the products they have to offer, and they are very familiar with strategies for saving you money on policies provided through a particular company.

Optional HI Insurance Benefits

The tropical state of Hawaii encourages you to consider all of your coverage options when you're buying a plan. Hawaii is among the states that take a "no-fault" approach to auto coverage. When you are involved in an auto accident, your insurer pays benefits to you or the other driver to compensate you for the costs of your physical injuries, whether or not you were at fault. [1]

However, if you are legally responsible for an accident, these liability policies do not cover the costs of damages to your vehicle or to other property damaged in the collision. This no-fault, personal injury protection applies only to injuries. You are required to purchase a minimum amount of coverage for yourself and your passengers to cover immediate medical treatment and follow-up rehabilitative care. [1]

Hawaii offers a variety of additional benefits that you can use to augment your basic liability coverage and personal injury protection. To safeguard your health and property against uninsured or underinsured motorists, consider a Hawaii auto insurance policy that includes these options. Because you have no way of controlling whether other motorists fulfill their legal obligations or purchase adequate insurance, buying additional Hawaii vehicle insurance makes sense these days.

Collision plans give you benefits for engine repair or body work if your auto is damaged in an accident. Comprehensive Hawaii auto insurance offers you protection against events unrelated to driving your auto, such as vandalism, falling objects, fire or floods. In addition to these programs, you can pay premiums to receive benefits for lost wages, transportation or towing after an accident.

In Hawaii, you can elect the option for alternative medical treatments like acupuncture or naturopathy for injuries related to a collision. [1] You can also pay for death benefits and funeral expenses for yourself or your passengers. Although no one likes to consider these possibilities, auto fatalities and injuries are realities that we should all include in our emergency planning.

Collect multiple estimates from Hawaii auto insurance agents or providers to find a set of required and optional benefits that meets your needs. Buying auto coverage is an individualized process. Take advantage of the services offered on this website to refine your search for a plan that's ideal for you and the other drivers in your household.

[1] http://hawaii.gov/dcca/ins/consumer/consumer_information/mvi 01/30/11


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