2022 Finest Low cost Auto Insurance in Hawaii | The Motley Idiot – Motley Idiot
Auto Insurance Laws in Hawaii
According to Hawaiian auto insurance laws, drivers must have at least minimum liability insurance. Drivers caught for the first time without proof of insurance face a $ 500 fine and their license is suspended for up to three months. A follow-up violation within five years will cost the driver between $ 1,500 and $ 5,000 and a year-long driver license revocation. The only way to get your license back is to show proof of insurance to the city council. Drivers who are caught more than twice without a license will have their license plate withdrawn.
Instead of fines, non-profit custodial sentences can also be imposed at the discretion of the judges, but these must be applied for by the driver's lawyer.
Minimum coverage requirements for Hawaii
The minimum requirements for auto insurance in Hawaii include:
- $ 10,000 per person Personal Injury Protection
- $ 20,000 per person liability
- $ 40,000 per accident personal injury liability
- $ 10,000 property damage liability
How to Get Cheap Auto Insurance in Hawaii
Getting cheap auto insurance is much easier in Hawaii than it is in most states because of the low rates nationwide. To reduce premium costs even further, drivers should shop around, get quotes, compare coverage levels, and consider any discounts offered by insurers.
Hunt for discounts
How much does auto insurance cost in Hawaii? It is the originally quoted price minus any discounts that the driver is entitled to. The number of insurance discounts you can get varies by insurance company, but taking the time to go through the options can save you money. Here are some of the most common discounts offered:
- Good student discount
- Defensive driver discount
- Deposit discount
- Outside of school discount
- Professional discount
- Alumni discount
- Discount for professional organizations
- Discount on security features
- Usage-dependent discount
- Discount for multiple cars
- Discount for multiple policies
- New car discount
Auto insurance quotes in Hawaii are based in part on credit scores. When a driver's creditworthiness is low, measures to increase the driver's creditworthiness can lower the rate he pays for auto insurance. One way to get affordable auto insurance in Hawaii is to focus on things like paying bills on time and low debt. It may take time, but it's worth the effort.
Other things to consider when looking for auto insurance in Hawaii
According to the Hawaii Department of Commerce and Consumer Affairs, there has been some quite interesting reporting in the state. For example, it is possible to take out a policy that includes alternative care. While this is not particularly unusual, the special thing about it is that this alternative long-term care insurance includes access to faith healing.
We know at least three things about auto insurance in Hawaii:
- It's comparatively cheap
- Being insured prevents a driver from facing large fines
- Some policies offer unusual insurance options
The best auto insurance companies in Hawaii are happy to provide drivers with the information they need to compare rates and coverage. When it comes to auto insurance, the islands have some of the lowest rates in the country. With minimum insurance costing less than $ 16 a month, it's hard to imagine why someone would drive a car without protection.