Hawaii car insurance is essential, whether you’re exploring Maui or driving up Mount Lolo. GEICO provides affordable and comprehensive liability and collision coverage that exceeds state minimum requirements while its specialized services allow drivers to add death benefit payments, alternative health care expenses reimbursement benefits wage loss benefits personal injury protection (PIP). All at competitive prices!
Your coverage choices and limits have a direct effect on the cost of car insurance in Hawaii, so selecting suitable limits is vital in order to stay within budget. Choose between liability, comprehensive and collision policies or combinations thereof and set them at whatever limits best suit your needs and stay within your budget.
Other factors affecting car insurance in Hawaii include your age, driving record and vehicle type. Young drivers are more prone to accidents, so their rates tend to be higher than older, more experienced drivers. Furthermore, certain vehicle models are more costly than others to repair or replace – therefore it’s advisable to purchase one with a high safety rating and good crash test results for maximum savings on premiums.
Drivers with prior DUI, speeding ticket or accidents on their record are considered high-risk drivers and will pay more for car insurance in Hawaii. According to ValuePenguin, even just one speeding ticket could increase rates by as much as 53% when renewing policy – however by shopping around and comparing quotes it may be possible to find more cost-effective car coverage solutions.
Your ZIP code also plays a part in the cost of car insurance. Insurance companies calculate risk differently across regions based on factors like crime rate, traffic volume, population density and road conditions – drivers in rural or suburban neighborhoods tend to pay less than those residing in urban centers.
Though credit histories are considered when setting car insurance premiums in many states, Hawaii law prohibits their use as driver rating factors for auto insurance policies. That being said, it remains important to keep your score healthy by paying your bills on time and avoiding excessive debt.
Hawaii state law makes driving without car insurance illegal, with any first offense incurring a $500 fine and up to 100 hours of community service in addition to three months license suspension. A second offense could incur $2,000 fines and one-year license suspension.
MoneyGeek’s online tool can help you quickly find cost-effective car insurance rates by enabling comparison between providers who provide excellent coverage and customer service tailored to your unique profile. Simply by entering your information into it, Hawaii car insurance quotes will appear immediately so you can make an informed decision about them.