Hawaii HI Car Insurance Rate
Reader’s Question
I’ve been thinking these past few days how could I not use my gadgets when driving? The accident rates due to driving while using cell phones is rapidly increasing in Hawaii. I have heard doing this while driving is decreasing the rate of your insurance benefits once you get involved with accidents. How true is it? Could you please help me attain peace of mind?
Douglas Anderson
Ewa, HI
That’s right, Douglas! You will never have a peace of mind knowing that your insurance benefits will be lessen when you’ve involve yourself in road accidents because of using your cell phone gadget. Increased risk of accident means higher rates of auto insurance, and that’s given. So if you want to keep your car insurance policy affordable, don’t use your cell phone while driving in Hawaii. I guess nobody would want to avail benefits of insurance anyway?
Please take note of the following reminders if you really can’t get rid of using your friendly gadget when driving. Try to consider these tips to help you drive more safely—and keep auto insurance rates low:
• Know how your phone works before you get in your car. If you will do so, you can use your cell phone even without looking it.
• During heavy traffic or bad weather, do not use your cell phone. You might be surprise of some worse scenarios in just a glimpse.
• If possible, use a hands-free headset.
• Pull off the road, wait for a stop light, or ask a passenger to dial for you in case you have someone urgently needed to be phoned
• If you decide to pull off the road, be careful where you stop so you can protect yourself and your car from injury and accident.
• Don’t look up phone numbers while driving, or even taking notes to your cell phone should be avoided.
• Program frequently-called numbers into your phone’s memory and/or use voice dial to reduce the amount of time you take your eyes off the road.
• Keep both your hands on the wheel at all times. Do not put your cell phone in a place where you will not get it easily.
Happy driving and always keep safe!
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