Do you get exhausted from not being able to afford to keep your car insured? You are in the same boat as millions of other people.

Insurance rates BMW 535i in HonoluluIt's astonishing, but the vast majority of consumers have remained with the same car insurance company for over three years, and nearly the majority have never shopped around. Honolulu drivers could save approximately $356 each year just by comparing rates, but they don't want to spend time to find cheaper car insurance rates.

Online insurance companies like Progressive, State Farm and GEICO persitently shower you with ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

You should take the time to shop coverage around occasionally since prices tend to go up over time. Despite the fact that you may have had the lowest quotes on BMW 535i insurance in Honolulu six months ago you will most likely find a better rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money on BMW 535i insurance in Honolulu.

Most major insurance companies allow consumers to get prices on the web. Getting BMW 535i insurance prices online can be done by anyone as you simply enter the amount of coverage you want on the page. Upon sending the form, their system will obtain your driving record and credit report and generates pricing information based on many factors. The ability to get online price quotes for BMW 535i insurance in Honolulu makes it simple to compare prices and it is imperative to get many rate quotes if you are searching for the cheapest insurance rates.

To quickly compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you type in deductibles and limits exactly as they are listed on your policy. This way, you are getting a price comparison using the exact same coverages.

The auto insurance companies shown below are ready to provide free quotes in Hawaii. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.

BMW 535i Insurance Costs in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
535I 4-Dr Sedan $324 $528 $346 $20 $104 $1,322 $110
535I xDrive Station Wagon $200 $332 $346 $20 $104 $1,002 $84
535I GT 4-Dr Sedan $222 $482 $344 $20 $104 $1,172 $98
535I xDrive 4-Dr Sedan $164 $342 $300 $18 $90 $914 $76
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in your specific Honolulu location which can impact premiums significantly.

Raise deductibles and save

A question often asked by Honolulu drivers is which comprehensive and collision deductibles to buy. The figures shown below can help you understand the rate fluctuation when you choose different physical damage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

BMW 535i insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
535I 4-Dr Sedan $284 $528 $264 $16 $80 $1,197 $100
535I xDrive Station Wagon $284 $528 $264 $16 $80 $1,197 $100
535I GT 4-Dr Sedan $284 $528 $264 $16 $80 $1,197 $100
535I xDrive 4-Dr Sedan $310 $528 $264 $16 $80 $1,223 $102
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BMW 535i insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
535I 4-Dr Sedan $176 $332 $264 $16 $80 $868 $72
535I xDrive Station Wagon $176 $332 $264 $16 $80 $868 $72
535I GT 4-Dr Sedan $176 $332 $264 $16 $80 $868 $72
535I xDrive 4-Dr Sedan $192 $332 $264 $16 $80 $884 $74
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location information which can lower or raise insurance rates substantially.

Based on these figures, using a $250 deductible could cost the average driver approximately $28 more each month or $336 each year than choosing the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 27 months between claims, you would more than likely save some money if you choose a higher deductible. The table below shows an example of how you can make your own decision.

Average monthly premium for $250 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): - $73
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important caveat is that higher deductibles results in more money out-of-pocket if you have a claim. That will necessitate some extra savings in the event you need to pay the higher deductible.

BMW 535i insurance premiums by gender and age

The diagram below visualizes the comparison of BMW 535i yearly insurance costs for male and female drivers. The prices are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Discounts mean cheaper rates for BMW 535i insurance in Honolulu

Car insurance is expensive, but you might be missing out on some discounts to help bring down the price. Some discounts apply automatically when you complete an application, but a few must be specifically requested prior to getting the savings.Car insurance discounts

A quick disclaimer, many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, you aren't that lucky.

To find insurers who offer discounts in Honolulu, follow this link.

Lower Your Honolulu Insurance Premiums

Smart consumers have a good feel for the factors that help determine the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could help you find lower premium levels. Many things are used when pricing auto insurance. Some factors are common sense like your driving record, although others are more transparent such as your marital status or how financially stable you are.

Pay less with a high NHTSA crash test rating - Cars with high safety ratings tend to have better insurance rates. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies and lower rates for you. If your BMW is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Prevent your car from being stolen - Choosing a vehicle that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your car from being stolen.

Battle of the sexes - Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn't prove that females are better drivers. Both genders have at-fault accidents at a similar rate, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations like DUI and reckless driving. Young males generally have the highest accident percentage and therefore are the most expensive to insure.

Use one insurance company and save - Many insurance companies will give lower prices to policyholders who consolidate policies with them. It's known as a multi-policy discount. Even with this discount, you may still want to get quotes from other companies to help ensure you have the lowest rates.

Auto insurance policy lapses increase auto insurance rates - Going without insurance is a quick way to drive up your policy premiums. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license.

Comparing prices from local Honolulu car insurance agents

Some consumers would prefer to talk to an insurance agent and that is OK! One of the best bonuses of getting free rate quotes online is that drivers can save money and get cheap car insurance quotes and still buy from a local agent. Buying from neighborhood agents is especially important in Honolulu.

Insurance agency in HonoluluTo make it easy to find an agent, after completing this simple form, your insurance coverage information is transmitted to agents in your area who will gladly provide quotes for your coverage. You never need to even leave your home because quoted prices will be sent instantly to you. You can most likely find cheaper rates and a licensed agent to work with. If you need to compare rates from a specific car insurance provider, you just need to visit that company's website to submit a rate quote request.

Below are Honolulu insurance companies willing to provide comparison quotes for BMW 535i insurance in Honolulu.

1960 Kapiolani Blvd Ste 208 - Honolulu, HI 96826 - (808) 955-9090 - View Map

1016 Kapahulu Ave #250 - Honolulu, HI 96816 - (808) 734-3265 - View Map

Scott Saito - State Farm Insurance Agent
1150 S King St #901d - Honolulu, HI 96814 - (808) 946-8464 - View Map

210 Ward Ave #116 - Honolulu, HI 96814 - (808) 587-6116 - View Map

More Honolulu agents

Finding the right provider should include more criteria than just the bottom line cost. Below are some questions you should ask.

If you receive good feedback to your questions in addition to an acceptable price estimate, you may have just found an insurance company that will provide car insurance coverage. Keep in mind policyholders can cancel coverage when you choose so don't assume that you're stuck with a specific agent for a certain time period.

It's not one size fits all

When selecting adequate coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect thatCar insurance savings For instance, these questions may help you determine if you would benefit from professional advice.

If you can't answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

One last thing about your coverage

We've covered many ideas to lower your BMW 535i insurance prices in Honolulu. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a smaller regional carrier. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

As you restructure your insurance plan, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut full coverage only to find out that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Much more information about insurance in Hawaii can be found at these links: