K H Lum Agency

Tips for Finding an Agent

• Make sure they inform you of discounts
• 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 can only price your coverage with one company
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

The next time your car insurance renews, talk to your agent about increasing the deductibles on physical damage coverage to save on premiums Auto insurance is cheaper if you plan to pay a little more out-of-pocket at claim time.

Call K H Lum Agency at (808) 988-5938 or talk to them in Honolulu for insurance options.

Frequently Asked Questions

• How can I find an agent in Honolulu?
• Why do I need an insurance agent?
• Can I drive on a suspended license in Hawaii?
• Should I carry full coverage?
• What is an SR-22 requirement?