Reader’s Question:

What should I do to find an affordable college student vehicle insurance deal here in Hawaii?

Carrie

Honolulu, HI

There are actually a lot of ways you can follow in order to find the best and affordable college student vehicle insurance there in Hawaii. You can get instant quotes online from vehicle insurance companies, and they offer this service for free. You can also check the yellow pages and contact accredited vehicle insurance companies. Consulting an independent vehicle insurance agent will also help you because they are experts on this subject, and it will save you the time of contacting several different vehicle insurance companies all by yourself.

Now, you just have to consider some things before seeking out the cheapest college student vehicle insurance. The costs of vehicle insurance vary from company to company and also because of a lot of different factors.

Having a good driving record is a plus because this shows that vehicle insurance companies may trust the driver not to make claims frequently. Remember that making claims is equal to the company losing money. Vehicle insurance companies are not really fond of clients who make claims very often. So, just imagine how numerous claims due to a lot of accidents or a DUI (driving under the influence) offense may affect the price of college student vehicle insurance.

Being related to military personnel may also make one eligible to a lot of discounts. Numerous vehicle insurance companies all over the country give lots of discounts to military men and their families out of sheer patriotism. Some just think that military men are good clients.

But the most important thing of all is to get good grades in school. This is actually the best and surest way to avail of discounts.

Tags: auto insurance online, cheap auto insurance, DUI, good driver insurance, military discount

Reader’s Question:

Hi. I’ve just accepted a job in Honolulu, Hawaii so I relocated. I want to know if there’s anything I should know about driving and car insurance here. Thanks.

Stephanie

Honolulu, HI

Hi Stephanie. I so love this question. I really do. I worked and lived in Hawaii for six years and I must say that I was enamored by the place. To answer your question. Driving laws in Hawaii do not differ much from those in the mainland. The only difference, and I found it very interesting, is that they don’t have the liabilities that are usual in most states because it is a no-fault state. There in Hawaii, your car insurance provider pays for the body injury damages incurred in the accident and it doesn’t matter who the party at fault is. However, for property and car damages, the insurance company of the person at fault will be the one to pay. They have different other coverages to choose from, depending on what you think you will need. There’s Comprehensive, Collision, Uninsured Motorist.

So, first thing you must do is get yourself a car insurance ID so you can start driving around because you will need to show proof that you are insured before you can register any vehicle. Find the nearest insurance agent in Honolulu, Hawaii. Enjoy your stay!

Tags: auto insurance, car insurance

Reader’s Question:

What is a comparative negligence law? Is that law implemented in all states such as here in Honolulu, Hawaii?

Andrew

Honolulu, HI

Hey Andrew, the comparative negligence law is most commonly referred to as the No Fault Law. In an accident, the fault is not always placed on one participant, meaning one party is not necessarily always held at fault for the incident that happened. Often, fault is distributed, in varying percentages, to the parties involved such that both have liabilities. The allocation of fault is normally identified after the insurance company and the claimant has negotiated. The scope of the comparative negligence law vary per state, that’s why you have to either consult an attorney there in Honolulu, Hawaii, or get a copy of state laws in order for you to better understand how this works.

However, you may find that in most states, there are two primary versions. There is what they call a “pure comparative negligence” in which a claimant can collect up to the amount of their damages less the percentage of the damage that was found to be their fault. There is also “modified comparative negligence” wherein a claimant is allowed to collect from the other party’s insurance company if he/she is determined to be at fault for a certain percentage. This type of law is more widely used than the first one.

Tags: car insurance law