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When drivers first move to Hawaii, they ask about car insurance. It’s not a big secret living on the islands is expensive, but that’s what you get when you pay to live in one of the most beautiful locations in the world. Auto insurance is surprisingly affordable in Hawaii, which is always a pleasant realization for new residents and those who’ve lived there a long time and simply want to find a more affordable auto insurance policy. With so many insurance companies to choose from, it’s not difficult to find a policy that’s more affordable than the one you currently use.

It’s important to understand no two people have the same insurance premium, plan, and policy in Hawaii. It’s not a list of premiums and plans you get to choose from that determine your price. It’s multiple outside factors, and many of those are quite personal.

  • The car you drive
  • The age of your vehicle
  • Your age
  • Your gender and sex
  • Your marital status
  • Your finances
  • Your driving habits
  • Where you reside

Car insurance companies look for the best possible candidates for their cheapest rates. These are the safest drivers, the best customers, and those who aren’t as big a risk as someone else that has a policy with their company. Each of these factors is used to determine your risk, and it’ll never be the same as the risk factor of another person.

Your Personal Details

One of the most important things an insurance company considers when determining your insurance deductible and rate is your personal life and details. Your credit score helps insurance agencies understand how likely you are to pay your premium each month or year. Your driving record helps insurance companies determine whether you are a safe driver. If your driving record is poor, your insurance rates go up. Married couples, young women, and older men are far less likely to drive poorly and become involved in an accident. This means they’re less expensive to insure.

While some of these factors aren’t easy to change, such as your age or gender, others are a little bit easier to change. They make it easier for you to get lower rates. It helps to drive well, stay on top of your finances, and to get married sooner if you’re looking for a way to save money.

Your Car and Home

If you drive a big car, you’re going to save money on your premiums provided it’s newer. If you drive a car with a big engine, you’re going to pay more for your insurance premium each year. if you drive a car with ample safety features, you can use those to lower your rate. If you live in a lovely neighborhood without much traffic or crime, your rates are lower. If you live close to a major street in an area with a low economic status, chances are good many drivers in the area are uninsured. Unfortunately, this means you’re going to pay more for your insurance to make up for the fact they don’t have any.

Coverage Considerations

Many people make the mistake of choosing the least expensive policy without first considering what it covers. If you have a policy that’s inexpensive, it might not cover all the things you need covered. If you don’t have uninsured motorist coverage, for example, you could be held liable for your own repairs and medical bills if you are involved in an accident with someone who doesn’t have insurance whether you caused it or not. Cheaper doesn’t always mean better, which is why it’s so important to look at the policies you’re considering and weigh the options.

You can always choose a policy with a high deductible rather than one with a low deductible if you want to save more on a regular basis, but only do this if you can afford the deductible otherwise. You do have options for finding affordable car insurance in Hawaii, you simply have to know where to look and what might affect the rates you pay compared to the rates someone else pays at the same company.