A Dash of Careful + Honolulu Car Insurance = Worry-Free Driving
Your Honolulu car insurance can take the worry away from an accident, but driving careful can prevent one.
Keeping your speed down will keep your Honolulu car insurance premium down.
Honolulu car insurance is required by the State of Hawaii to protect you in the event that you or someone else causes an accident when you are driving around. It is there to make sure that you can pay for damages to another person’s vehicle if you are at fault and that you can afford to pay for any medical expenses that may occur, without ending up in financial ruin.
But, just because you have Honolulu car insurance it doesn’t mean that you can go speeding around in your vehicle without any worries. It is also on you to be careful when you are behind the wheel, so that you don’t get into a car accident and have to use your insurance. So, ultimately it’s the combination of both Honolulu car insurance and careful driving is what will make your car trips worry free.
What Coverages Are Required for Honolulu Car Insurance?
The State of Hawaii has determined that the following are the minimum coverages needed for drivers to be protected, and are required for anyone that wants to drive on the islands:
- Personal injury protection ($10,000 minimum coverage)
- Bodily injury liability ($20,000 per person/ $40,000 per accident minimum coverage)
- Property damage liability ($10,000 minimum coverage)
These are just the minimums that are required by the state for your Honolulu car insurance. You can purchase more coverage to give you additional protection, so that you don’t end up having to pay for anything out of your pocket after an accident. The more Honolulu car insurance coverage you carry, the fewer worries you will have if you get into an accident.
Why Do I Need to Be Careful When Driving?
Honestly, it should be common sense that you are careful behind the wheel. But, here are some financial reasons why driving carefully (specifically the speed you drive) is in your best interest.
- Drivers that are careless behind the wheel have higher Honolulu car insurance rates.
- Compared to the mainland, the speed limits around the islands are lower for safety reasons, and going over the speed limit will earn you a ticket of $57 or more.
- When wet, the island roads get very slick and it is hard to control a vehicle. These slick roads have claimed many lives, including the lives of officers from the Honolulu Police Department. If you are driving carelessly on slick roads and kill someone you are going to be financially responsible for the incident.
So between the traffic tickets, the financial responsibility of a death, and the increase of your Honolulu car insurance premiums it is actually to your benefit moneywise to drive carefully.
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