Hawaii Car Insurance
Hawaii is the only state composed solely of islands and while that means a lot of water, there are still plenty of roads for residents to travel. Hawaii (HI) has over one million residents and is a hot-spot for tourists wishing to explore the Polynesian and Filipino cultures, as well as taking in the beautiful sights. It is the last state ratified as a member of the United States of America and is booming with industries for both tourist and residents alike.
Tourism is the state's largest industry, but locals earn their living by whaling and through sandalwood and sugarcane. Traveling the islands can be done via boat, automobile or by foot. However, it is always nice to have the wind blowing through your hair as you travel the scenic roads by automobile.
Before you get behind the wheel, make sure you have the appropriate amount of Hawaii car insurance. State law requires that each driver carry Hawaii car insurance. Finding a Hawaii car insurance quote online is fast and easy and can save drivers from heavy fines. It can also save you money so you can enjoy all the islands the state has to offer.
The islands of Oahu, Maui and Kauai offer plenty of regional cooking, golfing and of course picturesque opportunities. However, if you want to see all the major cities including Hilo, Pearl City, Kailua, Kahului and the state capital Honolulu, Hawaii you need car insurance. Once you have received your car insurance quote online you can enjoy all the islands of Hawaii.
Skipping the "touristy" attractions, drivers can explore their state knowing they will be safely insured no matter which road they travel. While the Hawaii Volcanoes National Park receives around three million visitors each year, you can explore further via Crater rim Drive, an 11-mile road that surrounds the summit and provides areas for short walks. Of course, if drivers want to join the tourist from the mainland there is plenty to do including a visit to Haleakala national Park on the island of Maui. Or a visit to Hanauma Bay Nature Preserve, a restored marine ecosystem, that is a great place to snorkel and learn more about the island.
Car Insurance in Hawaii
Driving without auto insurance in Hawaii can result in fines up to $1,000 for the first offense and up to $3,000 for the second offense. Drivers can also be penalized by having his or her driver's license suspended or can even face imprisonment. Hawaii mandates that each driver carry car insurance for bodily injury liability, property damage liability and personal injury protection (PIP). Every state has its own stipulations when it comes to automobile accidents. Hawaii law says car accidents are based on a no-fault system, not a tort system other states use to determine which party is responsible for both the accident and bill. The no-fault system means the individual car insurance company in Hawaii will make payments for a person's injury claims regardless of fault.
Statistics show that statewide residents pay too much for Hawaii car insurance. Shopping online can result in lower than average car insurance premiums. Hawaii car insurance premium is less than the national standard, but residents have seen a five percent increase in their car insurance. In 2004, auto insurance premiums averaged $817.45, up from $776.18 the year before. Only residents in 21 states had higher average premiums. In 2003, there were 22 states with higher auto insurance premium rates than in Hawaii.
Car insurance quotes online can be found quickly and can allow drivers to compare the rates of various companies all at the same time. Shopping around saves both time and money, and while the state of Hawaii has lower than national average car insurance rates, it is always helpful to know the best options available.
While looking for a Hawaii car insurance quote online the Hawaii car insurance agent will create coverage based on the minimum allowed for each state. The Aloha state requires every vehicle to have a 20/40/10 policy. This means that each driver is required to have to $20,000 to $40,000 in bodily injury coverage and $10,000 for personal injury protection and property damage liability. Bodily injury coverage is designed to cover other people's bodily injuries or death for which you may be responsible as a result of an accident. It also provides for legal defense in the event that another party in the accident files a lawsuit.
Bodily injury claims covers medical bills, loss of income and pain or suffering. This type of coverage does not cover damage to the vehicle itself. Personal injury protection covers the person or persons on the car insurance policy for medical and hospital expenses in Hawaii. Property damage coverage is generally self-explanatory. If in the event an accident results in damage to a fence, house or any other property, this coverage will cover that particular claim.
Selecting the Right Auto Insurance Coverage in Hawaii
It's important to remember that if you select coverage that is too low, you could be putting yourself at risk financially speaking and be left covering the bill. If an accident exceeds the limits on your Hawaii vehicle insurance policy then you will be responsible for the amount above that limit. To make that payment, you may be forced to liquidate property, savings or other assets. By purchasing coverage over the required amount, you could be saving yourself not only a hassle, but thousands of dollars as well. Speaking to a Hawaii agent and finding the right car insurance company to work with online will give you the right options to make sure your car insurance shopping experience is as hassle free as possible.
Additional coverage can be chosen online to allow each individual driver to create a package to fit his or her needs. Perhaps the most useful of additional coverage is bodily injury caused by an uninsured and/or underinsured driver. An agent online, via web chat or email, can help you find additional coverage. Shopping for an auto insurance quote online can help you find better rates since every car insurance company has a different rate. Some additional coverage a driver may consider purchasing includes collision coverage, rental reimbursement, uninsured motorist bodily injury, towing expenses and accidental medical protection plan. With additional coverage comes additional cost, but each addition will be reflected in your online car insurance quote.
Each driver is different and therefore each rate he or she receives from an auto insurance company will differ. Things affect Hawaii car insurance premiums such as age, gender, past driving experience, location and the type of vehicle. For example, luxury cars typically cost more to insure due to the cost of the vehicle itself whereas an economy car may be cheaper to insure. In addition, having a teenager on an auto insurance policy will affect the rate more so than having someone in his or her mid-30s with a clean driving record. Also, living in a big city such as Pearl City or Kailua will affect your rate where as living in a more rural location such as Wahiawa. Be sure to ask your online representative what deals you can take advantage of to find the cheapest car insurance premium available.
So what are you waiting for? Compare cost and coverage details from the Hawaiian cities and islands of: Honolulu, Hilo, Kahului, Wailuku, Kapaa, Kauai, Oaho, Molokai, Maui, Lanai, The Big Island and more