Insurance rates Buick Enclave in HonoluluAre you searching for lower-priced Buick Enclave insurance in Honolulu? Are you sick and tired of being strong-armed to pay high auto insurance rates every month? You are no different than millions of other consumers.

A recent study showed that over 70% of drivers have purchased from the same company for four years or more, and just under half have never even compared quotes to find cheaper rates. Many consumers in Hawaii could pocket approximately $356 a year just by getting comparison quotes, but they just don't understand how easy it is to go online and compare rates.

Lots of auto insurance companies contend for your hard-earned dollar, so it's not easy to compare every insurer and get the best coverage at the lowest price on Buick Enclave insurance in Honolulu.

Consumers should take time to get comparison quotes once or twice a year because auto insurance rates change regularly. Despite the fact that you may have had the lowest premium rates on Buick Enclave insurance in Honolulu a few years ago a different company probably has better prices today. Don't believe everything you read about Enclave insurance out there, but in this article, you're going to get some solid techniques on how to quit paying high auto insurance rates in Honolulu.

If you currently have auto insurance, you will definitely be able to buy cheaper auto insurance using the following tips. Buying the cheapest auto insurance in Honolulu is quite easy. Nevertheless, Hawaii vehicle owners do need to understand how the larger insurance companies charge you for coverage and take advantage of how the system works.

Discounts mean cheaper rates for Buick Enclave insurance in Honolulu

Auto insurance companies don't necessarily list every possible discount very clearly, so below is a list both well-publicized and also the more inconspicuous credits that you can use to lower your rates.Save money with discounts

Consumers should know that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, auto insurance companies aren't that generous.

Larger auto insurance companies and their offered discounts are included below.

When comparing rates, check with each insurance company the best way to save money. Some credits might not be available to policyholders in Honolulu. To find auto insurance companies with the best discounts in Hawaii, click this link.

To find the best car insurance quotes, there are several ways to compare rate quotes from all the different companies. One of the best ways to compare Buick Enclave insurance prices is simply to get online rate quotes.

It's so simple to compare car insurance quotes online replaces the need to spend time driving to different Honolulu agent offices. Shopping for car insurance online eliminates the middleman unless you require the professional assistance of a local agency. Although you can price shop your coverage online but still have the advice of a local agent. When quoting car insurance, remember that comparing more prices helps improve the odds of finding more affordable insurance.

The providers in the list below are ready to provide free rate quotes in Hawaii. If the list has multiple companies, we recommend you get rate quotes from several of them to get the best price comparison.

Buick Enclave Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $142 $256 $264 $16 $80 $758 $63
Enclave CX AWD $180 $370 $344 $20 $104 $1,018 $85
Enclave XL 2WD $110 $212 $248 $14 $74 $658 $55
Enclave XL AWD $278 $476 $270 $16 $80 $1,120 $93
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in garaging location in Honolulu which can revise coverage rates considerably.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The premium rates below show how much more you'll pay when you select higher and lower coverage deductibles. The first data table uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Buick Enclave insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $258 $484 $264 $16 $80 $1,127 $94
Enclave CX AWD $258 $484 $264 $16 $80 $1,127 $94
Enclave XL 2WD $258 $484 $264 $16 $80 $1,127 $94
Enclave XL AWD $286 $484 $264 $16 $80 $1,155 $96
Get Your Own Custom Quote Go
Buick Enclave insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $188 $328 $264 $16 $80 $876 $73
Enclave CX AWD $188 $328 $264 $16 $80 $876 $73
Enclave XL 2WD $188 $328 $264 $16 $80 $876 $73
Enclave XL AWD $210 $328 $264 $16 $80 $898 $75
Get Your Own Custom Quote Go

Data 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, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific location information which can raise or lower coverage prices considerably.

Based on these figures, using a $100 deductible could cost the average driver approximately $21 more each month or $252 each year than selecting the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 19 months between claims, you would probably be better off if you choose a higher deductible.

Neighborhood Honolulu auto insurance agents

A small number of people still prefer to get professional advice from a licensed agent and that is recommended in a lot of cases The biggest benefit of getting free rate quotes online is that drivers can save money and get better rates but also keep your business local. Supporting small agencies is still important in Honolulu.

Upon completion of this short form, your insurance data is immediately sent to insurance agents in Honolulu that provide free Honolulu car insurance quotes for your coverage. It's much easier because you don't need to visit any agencies as quotes are delivered immediately to your email address. You'll get the best rates without having to waste a lot of time. If for some reason you want to compare prices from a specific company, you would need to navigate to their website and complete a quote there.

If you need to find an insurance agent, there are a couple of types of insurance agents and how they can write your policy. Agents in Honolulu are considered either exclusive agents or independent agents.

Independent Car Insurance Agents

Agents that choose to be independent often have affiliation with several companies and that is an advantage because they can write policies with an assortment of companies and get you the best rates possible. To transfer your coverage to a different company, your agent can switch companies and the insured can keep the same agent.

When comparison shopping, you definitely need to contact several independent agencies so that you can do a thorough price comparison.

The following is a short list of independent insurance agencies in Honolulu that may be able to give free car insurance rate quotes.

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map

819 S Beretania St - Honolulu, HI 96813 - (808) 539-1600 - View Map

1088 Bishop St #2210 - Honolulu, HI 96813 - (808) 841-5915 - View Map

More insurance agents

Exclusive Agents

Agents that elect to be exclusive can only provide one company's prices and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to compare other company's rates so they have to upsell other benefits. Exclusive insurance agents are well trained on the products they sell which helps overcome the inability to quote other rates.

Below are Honolulu exclusive insurance agents willing to provide price quotes.

1649 Liliha St - Honolulu, HI 96817 - (808) 834-2222 - View Map

7192 Kalanianaole Hwy g210 - Honolulu, HI 96825 - (808) 395-3434 - View Map

931 University Ave Ste 108 - Honolulu, HI 96826 - (808) 944-1854 - View Map

More insurance agents

Deciding on a insurance agency requires more thought than just the price. Some important questions to ask are:

In the end, you can save money

You just read many tips how you can save on Buick Enclave insurance in Honolulu. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding inexpensive Honolulu car insurance quotes. You may even be surprised to find that the most savings is with a company that doesn't do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

When shopping online for insurance, it's very important that you do not skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

To read more, take a look at the resources below: