Reader’s Question:

I am a divorced 59 year old lady. I have had 1 ticket within at least 20 years and I have a very low income. My daughter just gave me a 1987 Honda civic. I am currently unemployment and looking for job.What is the most affordable insurance I can get.? I am an AARP member.

Molly

Honolulu, HI

If you have had only 1 ticket within twenty years and have a good driving record besides that you should be in good standing to get cheap auto insurance. Having an older vehicle, the 1987 Honda Civic, can also assist you with your car insurance rates.

Some insurance companies can offer you a cheap car insurance quote if you will either contact them or go through online. You may enter your zip code on the box provided in this page to get a free quote in your area.

Make sure you mention your AARP membership, see if you quality for a safe driver discount or other discounts that may be available for you so that you can get quote the cheapest insurance for Hawaii AARP car insurance or elsewhere.

Reader’s Question:

Is it true that now I will have to pay the full year premium in advance to restore the insurance just because my auto insurance was cancelled for non-payment? I live in Hawaii.

Pink

Honolulu, HI

It will depend upon the underwriting rules of the insurance provider in Hawaii you are trying to get insurance with if you will be required to pay in full for your next car insurance policy.

Additionally, it matters if the state requires you to file a financial requirement filing. Most states require a six month paid in full if you have permitted your insurance to lapse. This is called an SR22s in most states.

Another factors that will likely play a part in the decision of an Hawaii insurance carrier and if you will have to pay for a full year’s policy in advance would be the length of time of your insurance lapse after your cancellation due to non-payment and if there were any losses since the cancellation date. For instance, some insurance company will usually reinstate a policy that has cancelled because of non-payment - as long as the lapse in coverage has been less than thirty days, and there have been no losses.

Reader’s Question:

How long does a DUI remain on your driving record and increase your insurance rates in Hawaii? I got a DUI 7 years ago and my rates never went up.

Joey

Honolulu, HI

A DUI in Hawaii can also be termed as driving a car under the influence of an intoxicant (OVUII). Many OVUII HI arrests cause both the individual to have a criminal case in the district courts as well as a case against them in the Administrative Driver’s License Revocation Office (ADLRO). The ADLRO is a state agency that performs legal proceedings to determine whether the driving privileges of an individual arrested for DUI (OVUII) should be suspended or revoked.

The Hawaii DMV site does not list how long a DUI remains on your driving history but contact the Traffic Violations Bureau for driving record information. As for insurance providers usually they can go back 3, 5 or 7 years to check your MVR and rate your policy.

Some states may have limits on the amount of years an insurance providers can look back, so verify with the Department of Insurance for the state in which you are moving to check what their regulations are regarding this issue.