Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Hawaii Insurance Guide

Hawaii is not just a vacation locale with beaches, luaus and leis. Hawaii is the resident state of over 1.2 million people who play, work and own homes in the island chain state. And to those residents, insurance is an extremely important consideration.

Hawaii Auto Insurance

Hawaii auto insurance regulators do not require uninsured motorist coverage for drivers in the state but they do require personal injury protection (PIP) and liability insurance. They require a minimum of $20,000 liability insurance for a single-person injury, $40,000 for a multiple person injury and just $10,000 for property liability. Hawaii is a no-fault state.

Hawaii Health Insurance

Hawaii health insurance regulations make no requirement that insurers cover pre-existing insurance in the individual insurance market and the state does not have a high risk pool. They do allow health savings account (HSA) deductions for state income tax, so a high deductible policy with an HSA is a good idea for some residents.

In Hawaii, group insurance can be issued on groups as small as 1 person and insurance coverage is guaranteed even if there was a break in coverage before issue. However, there are no group rating restrictions to protect rates.

Hawaii Home Insurance

Hawaii does not require home insurance although individual lenders may if you have a mortgage. Hawaii is home to many natural disasters including tornadoes, hurricanes and earthquakes. Hawaii is also home to many active volcanoes. Be sure your Hawaii home insurance policy has adequate coverage and affordable deductibles for these risks.

Hawaii Life Insurance

Hawaii life insurance legislature created the Hawaii Life and Disability Insurance Guaranty Association in order to protect Hawaiian consumers against life insurance and disability insurance company insolvency. The association guarantees up to $300,000 in life insurance benefits and $100,000 cash value protection for every insured individual.

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