Ralph K Kobayashi

Tips for Finding an Agent

• Ask friends and family for referrals
• If the agent is too busy to sit down with you, find a different agent
• Independent insurance agents are not tied to one company
• Captive agents can only price your coverage with one company
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

Never allow your home or auto policies to lapse. It may be quite difficult to renew your policy and insurance rates could be substantially higher than before. Call Ralph K Kobayashi at (808) 737-1882 or visit them in Honolulu for insurance options.

Frequently Asked Questions

• How can I find an agent in Honolulu?
• If I file a claim will my rates go up?
• Can I drive on a suspended license in Hawaii?
• What are car insurance deductibles?
• What is an SR-22 requirement?