Pacific Guardian Life
1440 Kapiolani Blvd # 1700
Honolulu, HI 96814-3698
Phone: (808) 955-2236 | Fax: (808) 942-1280
Pacific Guardian Life provides residents of Honolulu with advice and guidance when making important insurance decisions. Their office is located at 1440 Kapiolani Blvd # 1700 or call (808) 955-2236 to speak with an agent. Serving Honolulu and the greater Honolulu county area. Visit our website anytime for more information.
Looking for insurance agents in Honolulu, HI or just trying to lower your premiums? Here are some insurance buying best practices.
- Pacific Guardian Life may be able to help you determine the insurance policy that's right for your specific needs.
- Your Honolulu auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Honolulu property owners are able to reduce their insurance costs by simply increasing their insurance policy deductible. An insurance deductible is how much money you have to pay out-of-pocket once you have a home insurance claim. By agreeing to pay an increased amount of your own money, your insurance provider will lower your home insurance premium. Providing you don't have regular claims, the cost savings on the reduced premium will soon add up to a lot more than the extra insurance deductible you have to spend at claim time.
- Longevity pays off. If you have a tendancy to jump around between insurance companies, you may be costing yourself money. Many Hawaii insurance companies reward insureds for staying with them over time. The longer you stay, the bigger discount you may see.