Hawaii Car Insurance w/FAQ
We understand that Hawaii car insurance needs are different for each individual. That’s why DTRIC offers a variety of Hawaii auto insurance products, coverages, and options to give you peace of mind when you’re in your car and on the road.
We also know the importance of affordability when shopping for car insurance, so we offer a number of discounts, credits, and benefits that help you get the most out of your Hawaii auto insurance policy. Let DTRIC or your independent insurance agent help you create a reliable and affordable car insurance policy that is customized to fit your needs and provides the right protection for you and your family.
Get a free Auto Insurance quote online. Or speak to one of our insurance specialists at 808-923-8742 from Oahu or 1-877-923-8742 toll-free from the Neighbor Islands. Prefer to work with an independent agent? Use our Find An Agent tool to find one in your area.
Auto Insurance FAQ’s
What is a car insurance deductible?
A car insurance coverage deductible is the amount of money you agree to pay if making a claim under coverages such as comprehensive, collision, uninsured motorist property damage, and personal injury protection.How does an auto insurance deductible work?
Let’s say you have collision coverage, with a $250 deductible. You’re involved in a car accident that causes $2,000 of damage to your car. If you file a claim with your insurance company, you’ll pay your $250 deductible and your insurance company will pay the remaining $1,750 for your car repairs.What are common myths about auto insurance?
Myth #1: Red cars are the most expensive to insure.
Fact: A red car won’t cost you more than a green, yellow, black, or blue car. Insurers are interested in the year, make, model, body type, engine size, and age of your vehicle.Myth #2: My insurance will cover me if my car is stolen, vandalized, or damaged by hail or fire.
Fact: Unless you have comprehensive coverage, you’re not covered for any of these things. Comprehensive coverage pays for damage to your car that is not the result of a car accident.Myth #3: If my car is totaled, my insurance will pay off what I owe on my loan or lease.
Fact: It will only pay you the actual cash value of your car, minus your deductible, factoring in depreciation. You’re still responsible for any outstanding amount on the loan or car lease.Myth #4: If someone else drives my car and gets into an accident, their auto insurance will cover them, not mine.
Fact: In most states, the car owner’s insurance must pay for damages caused by an accident. Get familiar with the laws in your state before allowing another person to drive your car.How is my auto insurance rate determined?
Here are just some common things that help determine your auto insurance rates.- Driving record. Safe drivers are generally rewarded with lower auto insurance rates or safe driver discounts.
- Mileage. How much you drive each year can increase your auto insurance rates because it places you more at risk of being involved in an accident. People who drive fewer miles than average may be eligible for lower rates on their auto insurance.
- Location. Where you live can affect your rates. Some places are more inclined to collisions or theft and also have higher costs for car repairs, lawsuits, and medical care. Always check with your GEICO representative when relocating to see if it will affect your auto insurance rates.
- Vehicle. The car you drive also affects your rates. Things like cost of replacement parts and repair, likelihood of theft, and safety ratings can all affect your auto insurance cost.
Should I add my spouse to my auto policy when I get married?
You could save money by combining auto policies. With a Multi-Vehicle Discount, you could save when you insure more than one vehicle on your policy.
Auto Insurance Glossary of Terms
Personal Insurance details can get a bit confusing and to some, overwhelming. Get familiar with common insurance terms and equip yourself with the knowledge needed to find a quote that’s right for you.
Car Insurance Discounts*
DTRIC’s reward to you for safe, claim-free driving!
Deductible WipeOut™**
- You could reduce your collision deductible to $0, just by driving Aloha!
- Get up to $200 off your deductible after your first claim-free year!
- Deductible WipeOut™ is free to qualifying DTRIC auto insurance customers – there are no hidden fees and no additional charges to your premium!
Want to Learn More about Deductible WipeOut™? See answers to our Frequently Asked Questions.
**Deductible WipeOut is a trademark of DTRIC Insurance. It is only available on policies with Collision Deductible of $250 or higher. Earn up to $250 Deductible WipeOut with $250 Collision Deductible, up to $500 with $500 collision deductible, and up to $1,000 with higher collision deductibles. Deductible WipeOut will be applied to your first loss or claim only. Subsequent losses or claims will be at the regular deductible rates. Other restrictions may apply. The original Collision Deductible and new reduced Collision Deductible (after Deductible WipeOut) shown above are effective as of your renewal date for one vehicle on your policy. Other vehicles on your policy may have different original Collision Deductibles and/or new reduced Collision Deductibles. Your actual Deductible WipeOut(s) and new Collision Deductible(s) may differ.
DTRIC’s reward to you for safe, claim-free driving!
Deductible WipeOut™**
- You could reduce your collision deductible to $0, just by driving Aloha!
- Get up to $200 off your deductible after your first claim-free year!
- Deductible WipeOut™ is free to qualifying DTRIC auto insurance customers – there are no hidden fees and no additional charges to your premium!
Want to Learn More about Deductible WipeOut™? See answers to our Frequently Asked Questions.
**Deductible WipeOut™ is only available on policies with $250 collision deductible or higher. Earn up to $250 Deductible WipeOut™ with $250 collision deductible, up to $500 with $500 collision deductible, and up to $1,000 with higher collision deductibles. Some restrictions apply. Deductible WipeOut is a trademark of DTRIC Insurance.
Reduce Your Deductible
Starting with up to $200 off your deductible for your first year of claim-free driving, Deductible WipeOut™ has the potential to bring your deductible all the way down to $0 – a total Deductible WipeOut™.
Just look at how easy it is to wipe out your collision deductible!
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $100 | $150 |
| 2 Years | $150 | $100 |
| 3 Years | $200 | $50 |
| 4 Years | $250 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $300 |
| 2 Years | $300 | $200 |
| 3 Years | $400 | $100 |
| 4 Years | $500 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $800 |
| 2 Years | $300 | $700 |
| 3 Years | $400 | $600 |
| 4 Years | $500 | $500 |
| 5 Years | $600 | $400 |
| 6 Years | $700 | $300 |
| 7 Years | $800 | $200 |
| 8 Years | $900 | $100 |
| 9 Years | $1,000 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $1,300 |
| 2 Years | $300 | $1,200 |
| 3 Years | $400 | $1,100 |
| 4 Years | $500 | $1,000 |
| 5 Years | $600 | $900 |
| 6 Years | $700 | $800 |
| 7 Years | $800 | $700 |
| 8 Years | $900 | $600 |
| 9 Years | $1,000 Maximum | $500 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $1,800 |
| 2 Years | $300 | $1,700 |
| 3 Years | $400 | $1,600 |
| 4 Years | $500 | $1,500 |
| 5 Years | $600 | $1,400 |
| 6 Years | $700 | $1,300 |
| 7 Years | $800 | $1,200 |
| 8 Years | $900 | $1,100 |
| 9 Years | $1,000 Maximum | $1,000 |
Identity Theft Recovery Coverage
Identify Theft Recovery Coverage is available to all DTRIC auto policyholders should you become a victim of identity theft. This coverage provides you with an experienced case manager, as needed, to guide you through the process of recovering your information, as well as the reimbursement of necessary and reasonable expenses incurred as the result of identity theft.
Free Emergency Roadside Service – DTRIC Gold Card***
Dealing with a roadside emergency can be a stressful experience. So the next time you find yourself in need of assistance, let the DTRIC Gold Card come to your rescue. Add other than collision, and towing and labor coverage to your auto policy and you’ll receive a DTRIC Gold Card for FREE! This is good for FREE emergency roadside services such as towing and labor, battery jump-starts, flat tire changing, and much more!
How Can I Get the DTRIC Gold Card?
The DTRIC Gold Card is FREE when you purchase collision, other than collision, and towing & labor to your auto policy. DTRIC Gold Card services are available to ALL vehicles insured under the same policy.
Here are some of the services and benefits available to you as a DTRIC Gold Card member, day or night, 365 days a year.
- FREE towing to your home
- FREE battery jump-start
- FREE delivery of up to two gallons of gas
- FREE professional locksmith services for your covered auto (up to $100)
- FREE flat tire service and roadside tire changing
- Enjoy reduced rates and get rental collision damage waiver exemptions when you rent from any Budget Rent-a-Car or Enterprise Rent-a-Car in Hawaii. Just use the DTRIC reservation code listed on the back of our DTRIC Gold Card when making reservations.
- If you need roadside service, please call 888-443-8742.
Start enjoying the benefits of the DTRIC Gold Card with your auto policy! Get started today with a FREE, no-obligation Auto FastQuote.
***Please note that DTRIC Gold Card holders may have up to three service occurrences per policy, per term. Some restrictions apply. Service occurrence limit excludes vehicle rental benefits. Once service occurrence limit is exceeded, your specific vehicle coverages will apply.
DTRIC has come through for me many times: from resolving accidents caused by drivers with other insurance companies, towing my car, changing a tire, etc. I really value your company’s services and customer-friendly attitude!
Get an Auto FastQuote
Want to see how much you can save? Get a free, no-obligation DTRIC Auto FastQuote online right now!
Our knowledgeable DTRIC representatives can assist you with a free, no-obligation auto insurance quote – just call 808-923-8742 or 1-877-923-8742 (neighbor islands toll-free) to get started.
Prefer to work with an independent insurance agent? Find an agent near you.