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Cheap Auto Insurance in Honolulu, HI 96816

From museums to the nation’s only royal palace, Honolulu is the cultural center of Hawaii. Located on the island of Oahu, the state capital is known for its scenic beaches and is the reason why thousands from all over the world travel here.

Home to 80 percent of Hawaii’s population, Honolulu was first settled by Polynesians during the second half of the first millennium C.E. Throughout the centuries foreign settlers visited the island, and in 1845, Kamehameha III moved the permanent capital of the Hawaiian Kingdom from Lahaina (Maui) to Honolulu.

From there, Honolulu grew into a modern capital, creating commerce within the Hawaiian islands. On Feb. 22, 1900, Hawaii was annexed by the United States and in August 1959 became the 50th state of the United States.

After statehood, Honolulu saw a tourist boom that brought fast economic growth to the city and to Hawaii. Today, Honolulu is the commercial, governmental and financial center of Hawaii.

Honolulu attractions include: Waikiki district, Pearl Harbor Visitor center, USS Arizona, USS Missouri, Iolani Palace, Bishop Museum, Honolulu Zoo and the Foster Botanical Garden.

Because of Honolulu’s warm weather, the city holds yearly events such as the Honolulu Marathon, Honolulu Triathlon and Ironman Hawaii. Honolulu also hosts the Hawaii Bowl and the NFL Pro Bowl annually.

Honolulu Driving Conditions

The climate in Honolulu is classified as hot semi-arid climate. The annual high temperature is 84.5 degrees and the annual low temperature is 70.7 degrees. It’s typically warm and sunny throughout the year in Honolulu.

Tropical storms from October to April can cause weather-related hazards, such as flooding, limited visibility and rockslides. Sometimes, roads and highways close from the aftermath of these natural hazards.

Crime Statistics

According to the 2015 Crime in the United States report, Hawaii had accounts of 54,346 property crime and 5,779 accounts of vehicle theft. Within cities and metropolitan areas in Hawaii, vehicle theft was reported 4,453 times.

Hawaii Driver’s Licence

As a legal resident of Hawaii, you’ll need to obtain a Hawaiian driver’s licence. Those with a valid out-of-state driver’s licence or a Canadian operator’s license are required to take a written exam and eye test. Road tests may be waived.

Seat Belt Laws

Hawaii has a universal seat belt law where all front and back seat occupants must buckle up. A seat belt violation fine is $102 on Oahu, Maui and Hawaii and $112 on Kauai.

The Hawaii child passenger restraint law requires children under 4 years of age to ride in a car seat, while children ages 4 to 8 must ride in either a child safety seat or booster seat. Violators are required to attend a four-hour class and may have to pay a $100-$500 fine, depending on the number of offenses.

Cell Phone & Texting Laws

In Hawaii, it is against the law to use your cell phone or text while driving. Drivers 18 and under are not allowed to use any mobile electronics while driving.

In Honolulu, it’s against the law to hold or manipulate a cell phone while driving.

Odd Law

Unlike other states, Hawaii only requires people to notify police of vehicle accidents that cause injuries or at least $3,000 in damage.

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You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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