Reader’s Question:

My insurance agent advised me to guard my auto insurance policy number. Where can I get that policy number he told me about?

Mary Ann

Honolulu HI

Yes, your insurance agent is right in advising you to keep your policy number in a safe place. The auto insurance policy number is your policy’s identification number which is unique for every insurance policy. It is a usually combination of letters and numbers. You will be given new set of policy numbers every time you renew your insurance plan.

The auto insurance policy number is indicated in your auto insurance policy declaration page which is usually called as ‘Dec.’ You can usually find your policy number at the upper left side of the declaration page. Usually, your previous policy number will also be indicated near your current one. So always examine carefully the policy numbers written in your declaration page to avoid interchanging the old and current policy numbers.

You should be wary of giving out your auto insurance policy number to just any person, especially those who have questionable personality and has no business of knowing about your policy number. You should protect it like how you guard your social security number to avoid yourself from auto insurance fraud. If criminals get hold of your policy number, they might use it in scam.

If malicious individuals will get hold of your policy number, they might use your policy number when they would get into a car accident. Aside from tainting your insurance claim records, they will use up your coverage benefits.

Avoid giving your policy number to random callers posing as insurance agent who will promise you with discounts, benefits or any promotional gimmicks in exchange of your policy number. Also random emails asking for your policy number because they want to give you gifts. There might also be people knocking on your door, pretending as assistant to your insurance broker or a staff of your insurance provider. They would tell you story that they’re being sent by your broker or insurer to fetch your insurance policy. If you happen to be in a sticky situation, do not hesitate to call your insurance provider’s office and inquire if they are doing some promotions or sending someone to get your policy. Forward emails your received soliciting for your policy number.

Reader’s Question:

I am just curious as to how car insurance companies check my driving record. Do they check only in the state where you are a resident of or they check in the state where are are licensed in? I am asking this because I am planning to purchase a vehicle and want to get car insurance as well here in Honolulu, HI.

Timmy

Honolulu, HI

It depends from one car insurance company to the other on how they check your driving record. The amount of years they look back also varies. If are licensed in a different state during that time period, the insurers usually check your driving history where you previously live and where you presently reside now.

Your state will get information about the state in where you live and the state in which you have your drivers license issued. Many states would mandate you to be licensed in the state in where you live. If you just moved to a new state, that state will likely mandates that you obtain a drivers license within a certain amount of time so you should verify with the Department of Motor Vehicle.

If you need to get car insurance in Honolulu, Hawaii, you can get car insurance quotes first to make sure you have the best rate in the market.

Reader’s Question:

I don’t have very good experience with the past insurance companies I have dealt with here in Hawaii. When it comes to my life insurance, I wanna be able to find the best insurer for it, how can I do that?

Hans

Ewa, HI

For you to be able to find the best life insurance company to provide you coverage in Hawaii, you have to compare different life insurance companies. You may already know that comparing the rates and services from various life insurance companies is what you have to do for you to find the best insurer. In comparing life insurance companies, you have to obtain life insurance quotes from as many insurers as possible. This would guarantee that you can be able to choose the best life insurance company among a very large number. When comparing different insurers, the entire procedure would only take a few minutes of your time and it is a time very well spent.

In order for you to obtain life insurance quotes from the top insurers, you only have to provide certain personal details on a small online form. After that, you would receive a bunch of life insurance quotes wherein you can see the available offers from life insurance companies and how much their premiums will be.

Of course, this whole process of obtaining life insurance quotes is totally free of charge and you also don’t have an obligation to buy what the life insurance company offers. You should do this simple task of comparing life insurance quotes online from different insurers in order for you to find the best life insurance company.

Readers Question:

I just moved to Honolulu. Any tips on how to save on auto insurance in Hawaii?

Mimi

Honolulu, HI

Auto insurance in Hawaii is not an option. The states law requires it for everyone who owns an automobile to have at least three kinds of coverage: Personal Injury Protection, Bodily Injury Protection, and Property Damage Liability.

Laws governing auto insurance in Hawaii require registered owners to have $10,000 each person in PIP; $20,000 per person or $40,000 per occurrence under BI; and $10,000 per occurrence under PD. Above and beyond these, additional coverage is already under the sole discretion of the car owner.

There are a lot of add-ons like death benefits or comprehensive coverage, and these cost money. Auto owners are advised to choose the add-ons they need or want so as to ensure that they are adequately protected.

When looking for auto insurance in Hawaii, it is recommended that an interested party go comparison shopping. Using the Yellow Pages, one can find a lot of companies that offer auto insurance in Hawaii. Get a lot of quotes from a lot of places on the desired coverage you need. Using the Internet to get these quotes may also prove to be convenient.

Also, if the owner is relatively new to auto insurance or is uncomfortable dealing with the terms on his or her own, it might make more sense to go to old school local companies that offer auto insurance in Hawaii where an agent is available to explain the terms and description of each and every coverage, as well as the mechanics of how to make and secure a claim. These companies may be a little bit more expensive than nationwide outfits like Geico and Progressive, but the convenience of having somebody to sift through the legalese might be worth the extra cost.

Lastly, interested parties should not be afraid of adjusting their insurance coverage to suit their needs. Start with a lower coverage and adjust yearly according to ones payment capabilities. Or if one has an old car, it might be prudent to forego on collision insurance.

Companies that offer auto insurance in Hawaii should be flexible to meet the vehicle owners needs, which is why it is important to shop around: not just for the best package and rates, but also for the best customer service.

Readers Question:

Ive been asking my friends here in Hawaii about their motor insurance premiums and Im quite dissatisfied with what I found out. A lot of my friends are paying cheaper motor insurance rates, way cheaper than what Im paying right now. I wanna know how I could get cheap motor insurance quotes.

Akira

Ewa, HI

I was paying so much on my motor vehicle insurance premiums too before. Until I found out that I could get cheap motor insurance quotes in Hawaii if I only knew where to get one.

A lot of people suffered from paying higher motor insurance premiums because they do not do one important thing to lower their vehicle insurance rates, and that would be shopping for motor insurance quotes. I bet you would like to save around $50 to even $100 on your motor insurance premiums. Then start shopping for motor insurance rates now. You can use the Internet to find cheap motor insurance rates.

Vehicle insurance is a business with too many competitors around. Each companys goal is to sell their products to as many customers as possible. And how can they sell products and attract consumers at the same time? By offering a deal that consumers cannot decline. Thats why its always important to give a little of your time to get vehicle insurance quotes online, compare those quotes, and probably land the best deal for you car insurance.

Also, aside from shopping for motor insurance rates, its important to take a look at your driving records too. If you are the kind of driver that has numerous traffic offenses, then your chances of getting cheap motor insurance quotes are small as compared to a driver who has a clean driving record. So do some cleaning on your driving record. Follow traffic rules and do not be involved in road accidents.

Meanwhile, if you live in an area with higher percentage of theft crimes, then most probably, your motor insurance rates will be expensive. To help you bring down your motor vehicle insurance rates, you should also think about getting a safe parking garage for your vehicle. Also, install safety features on your vehicle like automatic seatbelts and air bags since for these will lower your motor vehicle insurance rates.

If you have other questions about Hawaii motor insurance, you may check with your motor insurance agent.

Readers Question:

I just graduated from college and landed my first job, should I think about life insurance coverage at this point?

Louis

Honolulu, HI

Excellent question! The best time to seriously consider getting life insurance coverage is when youre already supporting someone else; it may be a family or a number of dependents. Life insurance coverage for yourself alone is not very practical, since its supposed to compensate someone for incurring financial loss if you suddenly pass away. Here are four reasons to consider getting yourself a Hawaii life insurance plan:/p

When You Have A Family

Life insurance is a great way to secure your family (or other dependents) immediate future when you are suddenly no longer there. Take into consideration the daily expenses and medium term needs of your beneficiaries to determine the adequate amount of life insurance coverage you need to buy.

When You Have Long-Term Financial Obligations

You dont want to leave your family with a foreclosed home, your kids to stop going to college, or your spouse getting stuck with debt once youre gone, right? Life insurance coverage can be a great way to make sure your loved ones are not burdened by the financial obligations you suddenly left

As Away Of Putting Your Affairs In Order

Certain life insurance plans covers burial and funeral expenses. This is a very responsible thing to do as the last thing youre loved ones need to worry about is how to get the money to bury you.

If You Hold A major Stake In A Business

Someone who plays a big role in the success of a business should also consider Life Insurance coverage. Life insurance can cover for the financial loss that the business can incur if this person makes an early exit.

Do take advantage of life insurance portals – like this website- on the Internet. You can get free access to the latest quotes and offers instantly, making it very easy to compare insurers and get an Hawaii life insurance policy that is easiest on your budget.

Readers Question:

I think Ive been paying too much for my auto insurance in the other state I lived in so I wanna get a good deal for my auto insurance here in Hawaii. How much coverage do I need to have at least for my auto insurance and how can I save money on it?

Tet

Ewa, HI

For you to get a good deal on your auto insurance in Hawaii, you have to find out where you can get cheap auto insurance quotes. You can always find free auto insurance quotes online but you have to make sure you get it from reputable companies. To know the amount of coverage you need for your auto insurance, simply find out first the minimum requirements in your state, which are:

• $20,000 for bodily injury for one individual in one accident
• $40,000 for bodily injury for all individuals in one accident
• $10,000 for property damage

Personal Injury Protection (PIP) coverage that would cover you and your passengers medical bills, lost wages and any other accident-related expenses

Finally, to save money on your auto insurance in Hawaii, here are some tips:

• You may increase the deductible on your auto insurance coverage as this can save you lots of money in the long run.
• You may inquire about all the discounts that you can get and add them in your auto insurance policy.
• If your vehicle is worth less than your auto insurance premium plus the deductible, you can consider cancelling or not getting collision and comprehensive coverage.

Reader’s Question:

How can I compare rates for vehicle accident insurance in Hawaii ?

Jeff

Honolulu HI

In order for you to compare rates for vehicle accident insurance in Hawaii, what you should do is to shop before buying. There are two sources for quotes for vehicle accident insurance in Hawaii. The first source would be the local insurers in Hawaii. You may call or visit them to ask for quotes. Ask as many as you can to get the best idea of how rates are in the market. The second source for quotes for vehicle accident insurance in Hawaii would be online. As you know, insurance companies have already maintained websites for their clients so that anyone who needs to know about them can do so using the Internet. In the insurers’ websites, they usually have online calculators that can provide you with quick quotes.

There are two types of calculators. One is something that needs a lot of information, like your name, age, address, driving accidents involved with, traffic violations, car type and model. Others will only require car information and driving history. Depending on where you are more comfortable with, you can get quotes from these calculators without difficulty. Once you have all of these information in your hands, you can already make a comparison and decide later on which policy is suitable to you.

Reader’s Question:

My fiancée will be moving here in Hawaii next month. And yes, we are getting married! But I’m not posting to ask about marriage stuff. I just wanna know, what are the vehicle insurance policies in Hawaii? He has a car and I don’t so I guess you totally know that I’m not the right person to ask about car insurance stuff. Thanks a lot!

Jennifer

Honolulu, HI

Best wishes on your upcoming wedding. I’m wishing you the best in your married life! I bet you’re too excited about it.

Now, going back to your question, the vehicle insurance policies in Hawaii are quite simple. The state of Hawaii requires that you carry the following auto insurance coverage:

• Bodily Injury Liability for $20,000/person up to $40,000
• Property Damage Liability for $10,000
• Personal Injury Protection which is also for $10,000

Remember, those amounts for vehicle insurance policies are the minimum required limits by the Hawaii state. Meaning, you cannot go lower than those amounts.

It’s also important to note that Hawaii is a no-fault system. With this, if you get involved in an accident whether you caused that accident or not, your own auto insurance company will automatically cover for the damages on your part. This, however, still depends on how much coverage you have on your policy.

Since it appeared to me that you are looking for vehicle insurance policies in Hawaii for you fiancée, why don’t you try looking for one now? In fact, you can use several websites to get free car insurance quotes. On this website alone, you can get several auto insurance rates from different insurers and from those options you can choose the best offer for your boyfriend’s insurance needs.

Reader’s Question:

There are lots or life insurance providers here in Hawaii that offers promotions, like low rates for a couple of years, for switching carriers, I’m wondering, is it a good idea to switch providers once their promotional periods are up to save on rates?

Marcus

Koolaupoko, HI

There is definitely no law against switching between life insurance carriers every two years, even if you are only doing so to maximize the low promotional rates being offered, in fact some life insurance brokers there in Hawaii might even encourage you to do so. There is noting wrong about taking advantage of a competitive market however life insurance is not like any other forms of services. Yes, you will save on premiums or rates for the first two years but you have to be careful about any contestability or holding period that a life insurance policy might be enforcing within the initial years of the coverage period.

If anything happens to you within the contestability period, your beneficiaries might get a significantly lower death benefit, or not even get anything at all, since most life insurance contracts would need you to maintain the policy for at least a couple of years before full coverage can be granted. The thing is every time you swap life insurance providers, you go back to zero and in reality you may feel that you are getting smart for taking advantage of low initial rates but in fact you end up paying for something that is not actually giving you the life insurance coverage you thought you have. So in the long run, this kind of practice might not work out to your advantage.

Tags: life insurance carriers, life insurance, cheap life insurance, term life insurance