Hartford Auto Insurance: Is It Available In Hawaii?

The Hartford Insurance Company offers a range of insurance products, including auto insurance. The AARP Auto Insurance Program from The Hartford is exclusive to AARP members and has been offered since 1984. The program provides car insurance in various states, including Hawaii and Florida.

Hawaii's auto insurance requirements

Hawai'i is a “no-fault" insurance state, meaning that every driver must carry both liability insurance and personal injury protection insurance to comply with the law. With the no-fault system, if you are in a car accident, you will need to file a claim with your insurance company for damages, regardless of who is at fault.

• Bodily injury liability coverage: $20,000 per person and $40,000 per accident.
• Basic personal injury protection: $10,000.
• Property damage liability coverage: $10,000.
• Uninsured/underinsured motorist: $20,000 per person and $40,000 per accident.

It is important to note that uninsured/underinsured motorist coverage can be rejected in writing. However, it is generally recommended to have this coverage as it can provide valuable protection in the event of an accident with a driver who does not have sufficient insurance.

While these are the minimum requirements, many drivers choose to purchase additional coverage, such as collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. This is because the minimum requirements may not provide adequate protection in the event of a serious accident or extensive property damage.

In addition to the above, Hawai'i also has specific laws regarding distracted driving. All drivers are prohibited from texting and using hand-held cell phones or other devices while driving. Novice drivers are not allowed to use any cell phones or devices, while adult drivers may use hands-free options.

Hawai'i takes distracted driving very seriously, and violating these laws can result in fines and other penalties. For example, texting while driving carries a $250 fine, which increases to $300 if done in a school zone.

Discounts and savings with AARP

AARP members can benefit from a range of discounts and savings with the AARP Auto Insurance Program from The Hartford. Firstly, members can save up to 10% on their policy simply by being an AARP member. This discount is available in most states, although it is not available in CA or FL.

Additionally, members can save money by paying their bill in full annually, as opposed to making monthly payments. There are also discounts for safe drivers who have completed an approved defensive driving course, such as the AARP Smart Driver™ course. The AARP Auto Insurance Program from The Hartford offers a discount of up to 12% for those who participate in their TrueLane Program, with the possibility of earning a renewal discount of up to 25% depending on driving habits.

Another way to save money is to bundle home and auto insurance, or auto and renters insurance, which can save up to 12% on auto insurance and up to 20% on home, renters or condo insurance. On average, drivers who switch to The Hartford save $577 on their auto insurance compared to their previous provider.

Finally, AARP members can also benefit from discounts on other vehicle types, including motorcycle, RV, boat and classic car insurance.

Driving in Hawaii

Hawaii is often described as a paradise, and it's not just the tropical beauty of the islands that makes life so idyllic. The spirit of 'aloha' informs most interactions on the islands, including those that happen on the road. Hawaiians call it 'driving with aloha'. People rarely cut each other off, use their blinkers, and take turns. Drivers are generally polite, but it can get unpredictable and dangerous at times.

Hawaii is a "no-fault" insurance state, which means that every driver must carry both liability insurance and personal injury protection insurance to comply with the law. With the no-fault system, if you are in a car accident, even if it is not your fault, you will file a claim with your insurance company for damages.

There are specific hazards that any driver may face while on the road in Hawaii, and it is important to be aware of them before getting behind the wheel. For example, Hawaiians drive on the slow side, and speed limits are very low. Lanes can be very short or non-existent, and there are many on and off ramps.

It is considered very aggressive and rude to honk your horn unless an accident is imminent. If someone lets you into their lane, it is customary to wave or give a 'shaka' to show your appreciation.

Hawaii has a strong truck and car culture. Every household owns a truck, and drivers will often choose a vehicle that suits their family size and needs. You can also find a thriving culture of car enthusiasts who love to upgrade their rides with performance body parts, noisy mufflers, and loud sound systems.

Although Hawaii is known for its polite and laid-back driving culture, there are still some common challenges and hazards to be aware of when driving in the state.

Commercial auto insurance

Understanding Commercial Auto Insurance

The Hartford's Commercial Auto Insurance Offerings

The Hartford, a reputable insurance provider, has partnered with Tivly to offer customized commercial auto insurance quotes for businesses. They emphasize the importance of this coverage, which can help pay for property damage and medical expenses resulting from accidents involving company vehicles. The Hartford's commercial auto insurance is tailored to meet the specific needs of each business, ensuring adequate protection.

Hawaii's Requirements for Commercial Auto Insurance

In Hawaii, commercial auto insurance is mandatory for all commercial vehicles. The state's insurance requirements include bodily injury liability coverage of $20,000 per person and $40,000 per accident, property damage liability coverage of $10,000 per occurrence, and personal injury protection of $10,000 per person. These minimums are relatively low, so businesses often opt for additional coverage, such as collision and comprehensive insurance.

Importance of Commercial Auto Insurance in Hawaii

Cost of Commercial Auto Insurance

The cost of commercial auto insurance varies depending on several factors, including vehicle type, risk level, employee driving records, policy deductible, and coverage limits. On average, commercial auto insurance costs around $147 per month, but this can differ significantly based on individual circumstances.

In summary, commercial auto insurance is a vital aspect of running a business, especially in Hawaii, where it is required by law. The Hartford's partnership with Tivly offers businesses the opportunity to obtain customized quotes and ensure they have adequate protection in the event of auto accidents involving company vehicles.

Car insurance in other states

The Hartford offers auto insurance in most states. However, it is not available in every state.

The auto insurance laws and requirements vary across states. For example, Louisiana has the highest average car insurance cost of $1,443, while Maine has the lowest at $667. Only Virginia and New Hampshire do not require car insurance.

The Hartford's auto insurance is exclusive to AARP members aged 50 and above. It offers a range of discounts, including a discount of up to 10% for AARP members. The company also provides a variety of add-on coverage options, such as new car replacement, gap insurance, and accident forgiveness.

The Hartford's auto insurance rates are around 2% more expensive than the national average. The company has mixed customer reviews, with some mentioning issues with billing, miscommunication, and high prices.

In addition to auto insurance, The Hartford offers a range of other insurance products, including homeowners insurance, business insurance, and renters insurance.

Frequently asked questions