FMS Hawaii Inc

Tips for Finding an Agent

• Do not rely on yellow page ads
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents are limited to a single company's rates
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

To save money on car insurance, talk to your agent about increasing the deductibles on physical damage coverage to save money Car insurance rates are lower if you are willing to pay a higher deductible at claim time. Call FMS Hawaii Inc at (808) 676-1539 or talk to them in Waipahu for insurance options.

Frequently Asked Questions

• How can I find an agent in Waipahu?
• Should I raise my deductibles?
• How can I file an insurance company complaint?
• Should I carry full coverage?
• What is an SR-22 requirement?