Auto Insurance Careers Contact Us Personal Business Info Center Claims Center About Us Pay Bill/Manage Account Personal Auto Insurance Discounts Prior Insurance Discount You may be eligible for a 25% discount on your auto insurance if you had at least 12 months of continuous coverage through your prior insurance. At-Fault Accident-Free Discounts with Built-In Accident Forgiveness If you are accident-free for at least 12 months prior to the effective date of your new auto insurance policy and received a similar discount from your prior insurer, you may qualify for an accident free discount. In the unfortunate event you are involved in an at-fault accident, you may still be eligible to receive an accident-free discount through our built-in accident forgiveness program. Our accident-free discount applies to bodily injury liability, property damage liability, personal injury protection, comprehensive and collision coverages. Group Discounts Members of qualifying groups may be eligible for a total combined discount of up to 15%. Current groups include teachers, professors, professional occupations, homeowners and retirees. Renewal Discount Customers with qualifying auto insurance renewals may be eligible for a renewal discount of up to 6%. Hybrid Vehicle Discount Hybrid vehicle owners may be eligible for an additional hybrid vehicle discount on their auto insurance. Island Package Bundle* Customers who have a personal auto insurance policy, AND a companion homeowners, condo or renters policy will be rewarded with a multi-policy discount of 18% off their personal auto policy, $50 off per eligible vehicle, and 10% off their homeowners, condo or renters policy. *Some restrictions apply. Multi-Car Discount Multi-car discount is available when two or more vehicles are covered under one policy. Discount applies to most coverages. Anti-Theft System Discount Vehicles with anti-theft devices may qualify for a discount on other than collision coverage. Please provide make and model information of the system. Air Bag Discount Vehicles equipped with air bags will automatically receive a discount on personal injury protection (PIP) coverage. Anti-Lock Brake System Discount Vehicles with a factory-installed anti-lock braking system will automatically receive a discount on their collision premium. Renewal Credit or Special Customer Credit In appreciation to our loyal customers, a credit will be issued to those who renew their policies with Island, Island Premier or Tradewind Insurance. Credit will be applied to most coverages. Personal Auto Benefits at NO Additional Charge Emergency Towing & Labor Reimbursement Island auto insurance policyholders with collision and other than collision coverages will receive complimentary Emergency Towing & Labor Reimbursement up to $75 on covered vehicles for the following emergency services – one per disablement, at the place of disablement. Emergency Towing Lockout Service Tire Change Battery Replacement If you have collision and other than collision coverages when your covered vehicle is disabled, and you require emergency towing or one of the services listed above, contact and pay the towing company or vendor, and request reimbursement. Send us your name, your policy #, an image or copy of your bill, and the reason for the emergency service: Email: clmrpt@islandinsurance.com Mail: Island Insurance Companies Attn: Claims Division P.O. Box 1520 Honolulu, HI 96806-1520 Rental Car Reimbursement Island auto customers with collision and other than collision coverages who require a car rental because a covered vehicle is damaged or disabled for more than 24 hours qualify to be reimbursed for rental car expenses. Specific limits apply. Homeowners, Condo and Renters Discounts and Benefits Island Package Bundle* Customers who have a homeowners, condo or renters policy AND a companion personal auto policy, will be rewarded with a multi-policy discount of 18% discount off their personal auto policy, $50 off per eligible vehicle, and 10% off their homeowners, condo or renters policy. *Some restrictions apply. Renewal Credit or Special Customer Credit In appreciation to our loyal customers, a credit will be issued to those who renew their policies with Island, Island Premier or Tradewind Insurance. Credit will be applied to most coverages. Premises Alarm or Fire Protection System Discount Approved and properly maintained installations of alarm or fire protection systems may be eligible for this discount. Age of Dwelling Discount If you are one of the many who own a home that is less than 20 years old, you could receive additional savings with our Age of Dwelling Credit. Loss Assessment Coverage A basic limit of $5,000 Loss Assessment coverage is included at no additional cost. Equipment Breakdown Coverage Home and condo insurance customers receive Equipment Breakdown Coverage, which protects your home and personal property from loss by mechanical or electrical breakdown, at no additional cost. Dwelling Fire Discount Customer Credit In appreciation to our loyal customers, a credit will be issued to those who renew their policies with Island, Island Premier or Tradewind Insurance. Credit will be applied to most coverages. Some restrictions, terms and conditions apply. GET A FREE AUTO QUOTE In less than 10 minutes you could save hundreds Quote by Phone: 643-4000 Call for your FREE Quote Monday to Friday, 8am - 5:30pm. GET A HOMEOWNERS QUOTE Just as each home is different so is your situation. Let us help you find the right coverages. Video – Auto, Home, Condo, Renters Find an Agent Find an Independent Agent Near You Insurance Policies Discounts and Benefits Auto Insurance Homeowners Renters Condominium Dwelling Fire Personal Umbrella Flood ID Theft Resolution Equipment Breakdown Personal Business Info Center About Us Please note that the information contained herein is general in nature and does not represent insurance contract provisions, and is not meant to take the place of an insurance review. Please contact an independent insurance agent for more information. Copyright © 2020, Island Insurance Company, Ltd. All rights reserved. Recognized By Follow Us