Hawaii is the newest state to join the United States. It is nicknamed the Aloha state and is one of the most popular destinations for tourists in the world. Even though the state is surrounded by water, there are many roads and highways in Hawaii for you to get around.
Just over a million people live in Hawaii, and people from all over the world visit the state. In many cases, drivers do not follow the state laws when it comes to vehicles because the rules are different in their country or state. Therefore, there are many things that you should know about Hawaii auto insurance.
Hawaii Auto Insurance Requirements
Drivers in Hawaii are required to carry liability insurance. You must have bodily injury liability insurance, property damage liability insurance, and personal injury insurance.
If you are pulled over by an officer, you must show your insurance identification card to prove that you are insured. When you obtain your insurance, your company will give you a card. If you do not provide proof of insurance, it is a traffic violation. You could receive a fine, and it will go on your driving record. Therefore, you want to keep your insurance information with you in the vehicle at all times.
Hawaii Auto Insurance Laws
Hawaii does not have a Department of Motor Vehicles in the state. Vehicle registration is controlled by each county government. HI is a no fault insurance state, so if you are involved in an accident, your personal injury policy will cover your medical bills, and the other driver’s personal injury policy will cover their bills. It does not matter whose fault it was. Unless there are serious injuries, you cannot sue the other party.
Hawaii also has adopted the Graduated Driver Licensing system. This states that teens under the age of 17 are not eligible for unrestricted driving privileges. Teens are also required to complete 30 hours of classroom instruction before they can obtain a driver’s license. They must be 15 ½ years old to receive a permit to drive. They can apply for a provisional license at the age of 16 and an unrestricted license at 17.
Hawaii Auto Insurance Coverage
In HI, you are required to have bodily injury liability coverage at $20,000 per person or $40,000 per accident. You also must have property damage liability and personal injury coverage at $10,000.
You could also obtain comprehensive coverage on your vehicle. Under this coverage, you would get reimbursed for repairs or replacement costs of the car up to your policy limit. Comprehensive coverage covers natural disasters or any unforeseen event that damages your vehicle.
Many drivers in Hawaii feel that it is necessary to obtain collision coverage. Collision insurance will pay for costs to repair the car or replace parts if the vehicle is totaled in an accident. Premiums for collision coverage are higher.
You can also get medical and property damage coverage. Both of these will cover incidents that occur to someone else not listed on the policy.
Unfortunately, many people have vehicles that are uninsured. Therefore, it might be wise to obtain uninsured and underinsured coverage. This will protect you from having to pay out-of-pocket expenses if you have an accident with a person who does not have insurance.
Because of the no fault law in Hawaii, your insurance company should pay for any bodily injuries that you receive up to your policy limit.
Cheap Hawaii Auto Insurance Quotes
It is wise to look around when getting auto insurance. There are many licensed insurance companies in Hawaii that give free quotes. You might be paying too much for your auto insurance, so you can save both time and money by going online and getting a free quote. It is fast and easy.
Hawaii Auto Insurance Ratings
When determining an insurance company, you need to first look at the ratings to see if they are a reputable company. The internet is a useful tool in determining the ratings. You can look at the qualities of each insurance company, so you will know which one fits your needs.
Car insurance companies are very competitive, so they are always looking for ways to boost their ratings. By viewing the ratings, you can see if a company has good customer service that meets the needs of their policyholders.
Hawaii Auto Insurance Rates
If you add a teenager to your policy your rates will probably increase. However, there are discounts that you can receive for your teen. There are discounts for good grades, such as maintaining a B average, or there are discounts for completing a safe driver course. In addition, you can lower your rates if you do not buy a luxury or sports car for your child.
Hawaii Auto Insurance Companies
There are many insurance companies where you can get cheap car insurance. However, you still want to be cautious when choosing car insurance. Make sure you find a reputable company that is reliable. There are online sites where you can view the number of complaints filed against a company. You can also look at the number of cars that they insure.
Insurance companies in Hawaii will give you financial advice, so that you can know your options. They will cover the choices, so you can see if you might be able to afford to purchase a policy with a little more than the minimum requirement.