K H Lum Agency
2477 East Manoa Rd
Honolulu, HI 96822-1943
Phone: (808) 988-5938
K H Lum Agency provides residents of Honolulu with advice and guidance when making important insurance decisions. Their office is located at 2477 East Manoa Rd or call (808) 988-5938 to speak with an agent. Serving Honolulu and the greater Honolulu county area.
Looking for insurance agents in Honolulu, HI or just trying to lower your premiums? Here are some insurance buying best practices.
- A neighborhood insurance services provider like K H Lum Agency can make it easier to determine the correct insurance coverages for your financial situation. Licensed Hawaii insurance agents are educated to uncover possible protection gaps within your insurance coverage.
- Honolulu car insurance rates are not cheap, and nobody like paying more than they have to for insurance. You can help reduce your car insurance costs by raising your deductibles, maintain a high credit score, avoid getting traffic tickets or having at-fault accidents, and drive lower-cost vehicles that are cheaper to repair than expensive imports.
- Higher homeowner's insurance deductibles can give you substantial savings if you own a home in Honolulu. You'll have to pay more out-of-pocket if you have an insurance claim, but if your claims are infrequent, you may come out way ahead by raising your deductibles and pocketing the savings.
- Some Hawaii insurance companies may give you a discount if you drive less miles in a year. So if you live close to work in Honolulu and can walk or use public transportation rather than driving your car, you might save up to 10% off your annual premium.