Searching for low-cost insurance for a Toyota Yaris in Hawaii can normally be an all-consuming task, but you can follow our car insurance buying tips to find lower rates.
There is a right way and a wrong way to find car insurance online so we're going to tell you the quickest way to compare rates for your Toyota and obtain the lowest price.
Smart consumers take time to do price comparisons before your next renewal because car insurance prices fluctuate regularly. Even if you think you had the lowest price on Toyota Yaris insurance in Honolulu six months ago a different company probably has better rate quotes today. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.
Companies offering cheap Toyota Yaris prices in Honolulu, HI
The following companies can provide free rate quotes in Honolulu, HI. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Yaris 2-Dr Hatchback||$160||$342||$404||$24||$120||$1,050||$88|
|Yaris 4-Dr Hatchback||$204||$344||$346||$20||$104||$1,018||$85|
|Yaris 4-Dr Sedan||$112||$236||$254||$16||$76||$694||$58|
|Yaris S 2-Dr Hatchback||$142||$272||$338||$20||$102||$874||$73|
|Yaris S 4-Dr Hatchback||$196||$390||$344||$20||$104||$1,054||$88|
|Yaris S 4-Dr Sedan||$260||$412||$346||$20||$104||$1,142||$95|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in garaging location in Honolulu which can influence auto insurance rates considerably.
Accidents and violations increase rates
The illustration below demonstrates how speeding tickets and accidents can affect Toyota Yaris insurance prices for different age groups. The rates are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.
Discounts can help to save on Toyota Yaris insurance in Honolulu
Insurance is not inexpensive, but you can get discounts that many people don't even know exist. Some trigger automatically at the time of purchase, but some may not be applied and must be manually applied before you will receive the discount.
- Discount for New Cars - Putting insurance coverage on a new Yaris can save up to 30% because newer models keep occupants safer.
- Good Student - Getting good grades may save as much as 25% on a Honolulu car insurance quote. This discount can apply up to age 25.
- Good Driver Discounts - Drivers without accidents may receive a discount up to 45% than drivers with accident claims.
- Home Ownership Discount - Owning your own home or condo can get you a discount since home ownership is proof of financial responsibility.
- Lower Rates for Military - Having an actively deployed family member could qualify you for better premium rates.
- Resident Student - Any of your kids who live away from home at college and do not take a car to college could qualify for this discount.
You should keep in mind that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you could get a free insurance policy, you're out of luck. But any discount will lower your insurance premiums.
To find insurance companies who offer cheap Toyota Yaris insurance quotes in Honolulu in Honolulu, click here.
Are auto insurance agents obsolete?
Many people still like to get advice from a local agent and that is not a bad decision Good agents are highly skilled in risk management and will help you if you have claims. An additional benefit of getting online price quotes is that drivers can save money and get better rates and still buy from a local agent. Buying from and supporting local agencies is important especially in Honolulu.
After filling out this quick form, the coverage information is emailed to companies in Honolulu who will gladly provide quotes for your insurance coverage. You don't have to drive around due to the fact that quote results will go to you instantly. If you wish to get a comparison quote for a specific company, just go to their quote page and fill out the quote form the provide.
Do you need an independent or exclusive auto insurance agent?
When searching for a reliable agent, it helps to know the two types of agencies that differ in how they can insure your vehicles. Agents in Honolulu are considered either independent or exclusive depending on the company they work for. Either can write policy coverage, but it's a good idea to understand the difference in how they write coverage because it may have an impact on which agent you choose.
Agents that elect to be independent are not employed by one company so they can write business with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move your policy to a different company and you don't have to do anything.
If you are trying to find cheaper rates, it's a good idea to include price quotes from a few independent agents for maximum quote selection. They often place coverage with companies you've never heard of which can be an advantage.
Below are Honolulu independent agents who may be able to give you comparison quotes.
- Cornerstones Financial and Insurance Agency
250 Ward Ave #220 - Honolulu, HI 96814 - (808) 626-5068 - View Map
- First Insurance Co of Hawaii Limited
1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map
- Island Insurance Hawaii
1022 Bethel St - Honolulu, HI 96813 - (808) 643-4000 - View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide pricing for a single company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. They are highly trained on their company's products which aids in selling service over price. Many people purchase coverage from exclusives mainly due to the brand name and the convenience of having all coverages with one company.
Below is a list of exclusive agencies in Honolulu who can help you get price quotes.
- Allstate Insurance: Valerie Nagaji
4211 Waialae Ave #8080 - Honolulu, HI 96816 - (808) 735-2841 - View Map
- State Farm Insurance: Shelli Toguchi-Hadley
4510 Salt Lake Boulevard Unit D15 - Honolulu, HI 96818 - (808) 486-1111 - View Map
- Jef Saragena - State Farm Insurance Agent
677 Ala Moana Blvd Ste 310 - Honolulu, HI 96813 - (808) 951-0866 - View Map
Finding the right insurance agency needs to be determined by more than just the premium amount. Any agent in Honolulu should have no problem answering these questions:
- Does the agent help file claims?
- Which companies can they place coverage with?
- What is their Better Business Bureau rating?
- Do they feel the quoted coverages are adequate?
- Are they in the agency full-time?
Keep this in mind when shopping around
You just learned many ways to lower your Toyota Yaris insurance car insurance rates in Honolulu. The key thing to remember is the more times you quote, the better chance you'll have of finding cheaper Honolulu car insurance quotes. Drivers may even discover the lowest car insurance rates are with a company that doesn't do a lot of advertising.
Insureds switch companies for a variety of reasons including unfair underwriting practices, delays in paying claims, high rates after DUI convictions or even being labeled a high risk driver. Regardless of your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.
As you quote Honolulu car insurance, do not buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability coverage limits and learned later that the small savings ended up costing them much more. Your goal is to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.
For more information, feel free to visit the following helpful articles:
- Avoiding Deer Collisions (Insurance Information Institute)
- Who Has the Cheapest Hawaii Auto Insurance Quotes for First-time Drivers? (FAQ)
- Who Has Affordable Car Insurance for Young Drivers in Hawaii? (FAQ)
- How Much are Car Insurance Rates for Government Employees in Hawaii? (FAQ)
- Determing Auto Insurance Rates (GEICO)
- How to shop for a safer car (Insurance Institute for Highway Safety)