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Home > Es-Us > Blog > Aloha Insurance Blog Page 11
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Aloha Insurance Blog Page 11

View the latest blog posts from Aloha Insurance.

Wednesday, June 25, 2025

Why are my premiums increasing, and can I get a better rate?

Premiums may rise due to inflation, claim frequency, or changes in risk models—but that doesn't mean you’re stuck. As an independent, top-rated agency, Aloha shops multiple carriers to find you the most competitive rate every year upon request.   READ MORE >>

Wednesday, June 25, 2025

What discounts are available?

Tons! At Aloha Insurance, we help you stack savings with: • Bundling home and auto • Safe driver discounts • Claims-free history • Good student rates • Loyalty discounts • Telematics • Protective devices (alarms, sprinklers, etc.) Let us find every discount you're eligible for—it's what we do. READ MORE >>

Wednesday, June 25, 2025

hat happens if my insurer cancels my policy or exits my state?

No stress. As an independent agency, Aloha isn’t tied to just one carrier. If your insurer leaves the state or drops coverage, we immediately re-shop your policy with our top-rated partners to maintain your coverage—often with better pricing and benefits.   READ MORE >>

Wednesday, June 25, 2025

What coverage do I need beyond state minimums?

State minimums often leave huge gaps. You can request: • Liability limits high enough to protect your assets • Uninsured motorist coverage • Comprehensive and collision for your car • Umbrella policies for extra protection Disclaimer: This blog/statement/Question & Answers… is for informational purposes only. READ MORE >>

Wednesday, June 25, 2025

How can I lower my auto insurance rates?

Aloha makes it easy: • Bundle with your home • Enroll in safe driving programs • Raise deductibles (strategically) • Maintain a clean driving record • Review your policy annually with us We’re proactive in finding ways to reduce your rates without sacrificing coverage, give us a call today to review your quote(s) and/or policy's. READ MORE >>

Wednesday, June 25, 2025

How do my driving record and credit score affect my rates?

Both are key pricing factors. A clean record and strong credit score generally mean lower premiums. If either has improved, Aloha can rescore your policy (in most cases) and find better pricing with another carrier—something captive agents can’t always do. READ MORE >>

Wednesday, June 25, 2025

Does my policy cover rental cars or borrowed vehicles?

In some cases your policies may offer some coverage for rentals and borrowed cars, especially for liability. However, it depends on your carrier and coverage type. Please call us to verify your coverages so we can review.   Disclaimer: This blog/statement/Question & Answers… is for informational purposes only. READ MORE >>

Wednesday, June 25, 2025

What factors are used to determine my premium?

Many factors impact your rate: • Driving history • Vehicle type • Location • Age and gender • Coverage levels • Credit-based insurance score • Claims history We analyze these for you to place you with the carrier that rates you most favorably.   READ MORE >>

Wednesday, June 25, 2025

How does filing a claim affect my rates?

It depends on the type and frequency of claims. One small (comprehensive) claim might not impact your rates, but multiple or major claims could. Aloha helps you weigh the pros and cons of filing a claim—and we’ll always look out for long-term savings. Call us today to understand how a claim could impact your policy rates. READ MORE >>

Tuesday, June 24, 2025

¿Por Qué Es Importante Tener un Seguro para Casa Móvil?

Tu casa móvil merece la misma protección que cualquier otra vivienda. Ya sea que vivas en ella todo el año o solo en temporadas, el seguro adecuado te brinda tranquilidad—especialmente en lugares como Colorado, donde los riesgos de granizo, viento e incendios están en aumento. READ MORE >>

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