Hawaii Insurance
Hawaii Insurance Quotes
Hawaii insurance laws require motorists in the state to carry the following minimum liability coverage on their car insurance policy:
- $20,000 in bodily injury protection per individual up to a maximum of $40,000 per accident
- $10,000 in personal injury protection (PIP)
- $10,000 in property damage protection per accident
Hawaii insurance companies refer to this type of coverage as 20/40/10/10. The state's Motor Vehicle Insurance Law mandates carriers to determine premiums independently based on their own expenses and loss experience. This is known as "open rating".
Consumers seeking life insurance may choose from the following types of policies: 1) Whole life insurance, 2) Variable life insurance, 3) Universal life insurance and 4) Term life insurance.
Hawaii health insurance providers may consider any pre-existing condition for which the applicant obtained medical diagnosis, advice, treatment, or care within three years prior to the commencement of individual coverage. Hawaii insurance regulations allow companies to base rates on the customer's health status. Prospective policyholders interested in purchasing a health insurance plan as an individual, family, or couple should consider either an HMO, a PPO, or Catastrophic plan.
Consumers may reap considerable savings by requesting and comparing Hawaii insurance quotes from numerous top insurers. Online quotations are available on a host of insurance products such as life insurance, disability insurance, and home insurance among others.