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Your Aloha Insurance agent will ask you what make and model cars you own, roughly how many miles you drive each year, and what kind of liability coverage you will need. The agent will also want to know:

  • How many people drive the cars
  • How old the drivers are
  • Where you live
  • Driving records of each household member

The agent will then ask more detailed questions about your cars, such as:

  • Vehicle Identification Numbers (VIN)
  • Passive restraint systems
  • Air bags
  • Anti-lock brakes
  • Anti-theft devices

If you already have another insurance policy with Aloha Insurance Services for home or life insurance, you might receive a discount on your auto policy. You should also mention if you or other drivers in your household have completed safe-driving courses and if student drivers in your home are getting good gradesóboth of these may qualify you for discounts on your auto policy.

Once the agent has assembled all of the information, he or she will quote you a premium. The premium will depend on all the factors above and on the deductibles you choose.

Portions courtesy of and © Insurance Information Institute (www.iii.org) Copyright © 2001-2016 Aloha Insurance Services, Inc. Kona HI All rights reserved.
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