Affordable Car Insurance Auto Insurance in Hawaii - Compare Rates

Before you get behind the wheel to enjoy the scenic beauty of the Hawaiian state, it is mandatory that you insure your vehicle. You can be given a ticket if you are not able to provide a valid insurance proof.

Hawaii is a no-fault state which means your insurer can pay for injuries. He can do so only up to the limits of the Personal Injury Protection coverage ("PIP"). This coverage will be useful in paying medical bills and rehab costs. According to the State rules you cannot sue or be sued unless there are serious injuries. The minimum limit for this coverage is $10,000.

The "no-fault" rule applies only to injuries and not to vehicles or property. So when a driver causes damage to any property he is responsible to pay for all the damages to vehicle and property.

The state also requires you to buy Bodily Injury Liability and Property Damage Liability in order to cover you when you are at-fault in an accident.

Bodily Injury Liability

This coverage will pay for all the injuries that you cause to others while driving. If a victim decides to sue you, then you can also cover your legal costs through this coverage.

The minimum liability limit is $20,000 per person and $40,000 per accident.

Property Damage Liability

This will pay for any damage that you cause to property and assets of others involved in the accident. It may include damage to any car or any other object like a tree, a mailbox etc.

It will also include any repairs and labor costs for repairing the vehicle and replacement costs for replacing any valuable inside the car.

The minimum liability limit is $10,000 per occurrence of property damage.

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You can also go for other optional coverages like:

1. Collision Coverage
This coverage will pay for the damages to your car in a collision. The collision can be with anything from a car to a stationary object.

2. Comprehensive Coverage
This will give you a complete coverage when it comes to damage to your car due to any other reason other than a collision. It will include damages due to fire, hail, flood, vandalism, impact due to any animal etc.

When you decide to buy insurance, make sure you obtain quotes from several companies. This can be done through web sites of the companies. Obtaining quotes is easy. You just have to type in the required details and a quote is provided to you.

When you are comparing various insurance companies, keep in mind that price is not the only criteria. If the company is not financially stable then lower premiums have no benefit to you.

Don't forget to ask discounts. You may be surprised to see that companies these days offer lot many discounts in order to retain their customers. You can take advantage of various discounts like:
>> Good student discount
>> Good driver discount
>> Discount for mature drivers
>> Multiple policy discounts

You can also lower your insurance by increasing your deductible amount. A higher deductible means the insurer is less bothered by smaller claims and so he may offer you a lower insurance rate.

So before you drive down the beaches, get yourself insured.

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