Should you ever find yourself involved in an auto accident, you’ll quickly learn that it’s not enough to just have insurance—you also have to have the right kinds of coverage and adequate limits. It’s worth taking extra time to shop for a car insurance policy that will provide you with adequate protection. However, because there are so many options, it’s not always easy to distinguish what is the correct choice.

That’s why drivers in Hawaii rely on the assistance of First Insurance Company of Hawaii Ltd and their network of independent agents to present them with high-quality insurance products and sound advice on how much coverage to purchase. Below, the insurance company offers a few tips to help you choose the most suitable car insurance coverage:

• Brush Up on Minimum Liability Requirements: The first thing you must do is find out what the minimum liability requirements are in your state, otherwise known as the lowest amount of coverage you legally have to carry. Knowing exactly what this limit is will give you a base to start figuring out what your needs are.

• Consider the Benefits of Collision & Comprehensive: You may only be required to carry liability coverage to pay for damage to another party’s vehicle, but consider what would happen if your own car needed extensive repairs. If you don’t think you could afford it, look into collision and comprehensive coverage.
• Protect Yourself From Uninsured & Underinsured Motorists: If your vehicle sustains damage in a car accident that is someone else’s fault, but they don’t have the coverage to pay for it, you will get stuck with the bill. However, by investing in uninsured and underinsured motorist coverage policies, you will be able to prevent that from happening.
• Research Policy Inclusions & Exclusions: The key to being a smart car insurance buyer is learning exactly what a policy will and will not cover. This is crucial to be aware of before something unexpected occurs, so you don’t find out too late that you aren’t covered. 
• Consult With an Insurance Agency: One of the easiest ways to make sure you invest in the right car insurance is to consult with a local independent insurance agency about your needs. They will assess your unique lifestyle and budget to determine the coverage and coverage limits that would be best for your situation.

Keeping these tips in mind, you should be able to confidently purchase your next car insurance policy. For more information, contact your independent insurance agent or visit First Insurance Company of Hawaii Ltd. on their website.  Don’t have an independent agent?  Click here to find one near you.