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Kahului, Hawaii Car Insurance


Home to about 20,000 people, Kahului is the biggest community in the Maui County, the largest one on the island of Maui, and the ninth largest community in the state of Hawaii. Kahului serves as the primary transportation and business hub for the island as well as its most prominent retail area. Although Kahului is not usually considered a tourist destination in its own right, as the locale of the Kahului Airport (the largest on the island), most visitors end up passing through the city. The Kahului real estate market was hit hard by the collapse of the American market and housing prices plummeted, but have been increasing in recent months.

Unless you live and work somewhere else in Maui, most residents of Kahului do not really need to own a car because everything is readily accessible within town. However, if you decide you do want to own and operate your own vehicle, be aware that you will pay a lot more than the national average to do so. All motor vehicles, relates parts and accessories, as well as fuel has to be imported to Hawaii via ship and these shipping costs are passed on directly to consumers. Further, secondary costs like taxes, licenses, repairs and maintenance also cost considerably more than is the case on the mainland. These secondary expenses led Forbes to rank Hawaii as the worst state in the country in which to own and operate a car in 2008.

While owning and operating a car anywhere in Hawaii will cost you a lot, basic insurance is not overly expensive. Getting the basic liability and personal injury insurance required by state law is comparable to getting similar coverage in other parts of the country. In 2007 Hawaii ranked as the sixteenth most expensive state in the country to get car insurance in. Minimum standards notwithstanding, drivers in Hawaii should know that almost twenty-five percent of accidents in Hawaii involve pedestrians; therefore drivers should keep this in mind when buying insurance.

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