No one in their right mind looks forward to buying car insurance, particularly when the cost is too high.

Astonishing but true according to a recent study, 70% of consumers renewed their policy with the same company for at least the last four years, and roughly 40% of drivers have never compared rates to find lower-cost insurance. U.S. drivers could save nearly $850 each year by just comparing quotes, but most tend to underestimate the actual amount they would save if they switched. Drivers have many insurance companies to buy insurance from, and even though it's nice to have a selection, it can be more difficult to adequately compare rates.

You should make it a habit to compare prices occasionally since insurance prices tend to go up over time. Just because you had the best deal on car insurance a year ago there is a good chance you can find better rate quotes now. Ignore everything you know about car insurance because you're about to find out the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Kahului auto insurance discounts

Companies that sell car insurance don't always publicize their entire list of discounts very well, so below is a list both the well known as well as the least known discounts you could be receiving when you buy Kahului car insurance online.Cheaper auto insurance with discounts

One last thing about discounts, some credits don't apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn't be very happy.

To see a list of providers who offer auto insurance discounts in Hawaii, click here.

Finding a lower price on insurance is actually quite simple. The only thing you need to do is spend a few minutes comparing free Kahului car insurance quotes from some recommended companies.

It's so fast and easy to compare rates online that it takes the place of having to spend your day driving to different Kahului agent offices. The fact that you can get quotes online reduces the need to sit down with an agent unless your situation requires the personal advice only provided by licensed Kahului agents. Although you can find lower rates online and have a local Kahului agent actually service the policy.

The following companies offer price quotes in Kahului, HI. If multiple providers are shown, we recommend you get prices from several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Kahului
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $592 $296 $49
Chevrolet Equinox LS AWD $728 $364 $61
Chevrolet Malibu Hybrid $938 $469 $78
Chevrolet Silverado LTZ Extended Cab 2WD $898 $449 $75
Dodge Ram Crew Cab SLT 4WD $938 $469 $78
Ford Edge SE 2WD $726 $363 $61
Ford Escape XLT 4WD $686 $343 $57
Ford Explorer Limited AWD $800 $400 $67
Ford F-150 XLT Crew Cab 4WD $826 $413 $69
Ford Focus SE 4-Dr Sedan $600 $300 $50
Honda Accord EX 4-Dr Sedan $774 $387 $65
Honda CR-V EX 4WD $988 $494 $82
Honda Civic SI 4-Dr Sedan $882 $441 $74
Honda Odyssey LX $866 $433 $72
Hyundai Sonata SE 4-Dr Sedan $910 $455 $76
Kia Optima EX $804 $402 $67
Nissan Altima 2.5 S 4-Dr Sedan $870 $435 $73
Toyota Camry Hybrid $1,020 $510 $85
Toyota Corolla S $742 $371 $62
Get Your Own Custom Quote Go

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in zip code location which can impact premiums considerably.

Auto insurance rates are higher with tickets and accidents

The illustration below shows how traffic citations and accident claims can drive up Nissan Sentra insurance premiums for different age categories. The premiums assume a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

How to lower your auto insurance prices

Lots of things are used in the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, although others are not as apparent such as your credit history or your financial responsibility. Smart consumers have a good feel for a few of the rating criteria that are used to determine your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that will entitle you to better auto insurance rates.

Shown below are some of the things utilized by car insurance companies to help set your prices.

Why do I need car insurance?

Despite the high insurance cost in Kahului, car insurance serves an important purpose.

The benefits of carrying adequate insurance more than cancel out the cost, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $830 a year so shop around each time the policy renews to ensure rates are competitive.

Keep this in mind when shopping around

Cheaper insurance in Kahului is attainable from both online companies and from local insurance agents, so get free Kahului car insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not offer rates over the internet and many times these small insurance companies provide coverage only through independent agencies.

We just showed you some good ideas how you can lower your insurance rates in Kahului. It's most important to understand that the more providers you compare, the better your chances of lowering your car insurance rates. You may even be surprised to find that the biggest savings come from a small local company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

While you're price shopping online, never sacrifice coverage to reduce premiums. There have been many situations where someone dropped uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

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