Say Aloha To Hawaii Motorcycle Insurance
Hawaii might be a tropical island paradise, but you still need insurance if you want to keep and drive a motorcycle or motor scooter. You and your motorcycle could most likely wash up on a deserted island and the chances are you'd need at lest disability insurance. But anyway, there are many companies that offer Hawaii motorcycle insurance for the Hawaiian driver.
The Basics
Hawaiian motorcycle insurance laws are different from some other American states, so don't assume that the laws in one state will apply to Hawaii. By law, you need to get at least $20,000 per person (or $40,000 per accident) worth of disability motorcycle insurance. This disability insurance is to cover injuries in accidents.
You also need to get $10,000 worth of property damage liability insurance. You also need to carry a valid ID on you every time you drive your motorcycle or motor scooter. Preferably, this will be a Hawaii driver's license or a driver's license of the sate you are a legal resident of.
The Extras
All companies offering Hawaii motorcycle insurance will have various plans for you to choose from and all will have differing monthly premiums. Overall, they will have a basic plan which gets you what you need by law and nothing else, or comprehensive coverage, which costs more but also covers more. Extras include coverage of any legal costs or disability insurance stemming from a motorcycle accident.
Be Patient
Although you might be dying to get on your hog and hit the road, you need to take the time to compare Hawaii motorcycle insurance rates in order to not pay for more than you have to. A long time ago, there was an urban myth that all insurance companies offered the same rates - that's not true! Insurance is just like any other competitive business and offers vastly different rates.
Fortunately, it's a lot easier to be able to compare Hawaii motorcycle insurance plans online. You don't have to go to office to office anymore. Many companies offering Hawaii motorcycle insurance will also compare their rates to other companies for free. You could also check with a third party like AAA or AARP (American Associations of Retired Persons) to see what companies they recommend.
You need to give the companies offering Hawaii motorcycle insurance some information before they can determine a quote for you. This includes you driver's license number, how many people will be using your motorcycle and what your driving record is.
