If you're shopping for lower-cost insurance on the web, are you baffled by the sheer number of insurance choices in Honolulu? Many other drivers are as well. People have such a vast assortment of choices available that it can really be hard work to find better rates for Volvo XC70 insurance in Honolulu. Lots of people think Honolulu is a great city to raise a family in, but the high premiums for insurance can make it hard for many drivers to be able to afford adequate insurance coverage limits.
Shocking but true, the vast majority of drivers have bought insurance from the same company for four years or more, and about 40% of consumers have never even shopped around for lower-cost coverage. Honolulu consumers could save up to 40% each year, but they just don't understand the actual amount they would save if they switch to a new company.
It's smart to price shop coverage yearly because insurance prices change regularly. Just because you found the lowest price on Volvo XC70 insurance in Honolulu on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because we're going to demonstrate how to quote online to reduce your cost while improving coverage.
Buying the cheapest car insurance in Honolulu can initially seem challenging. In a nutshell, every driver who needs more affordable car insurance will more than likely find better rates. But Hawaii consumers need to learn the methods companies use to sell insurance online because it varies considerably.
Most larger insurance companies allow consumers to get price estimates from their websites. Getting Volvo XC70 insurance prices online can be done by anyone as you simply enter your personal and coverage information into the quote form. After you complete the form, their system gets credit information and your driving record and generates pricing information based on these and other factors.
Being able to quote online for Volvo XC70 insurance in Honolulu makes it a lot easier to compare rates and it's absolutely necessary to do this in order to find the most affordable car insurance rates.
To fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you enter the insurance coverages exactly as they are listed on your policy. This guarantees you're receiving rate comparison quotes based on identical coverages.
The following companies offer comparison quotes in Hawaii. If multiple companies are listed, we suggest you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XC70 3.2 AWD Station Wagon||$152||$288||$388||$24||$116||$968||$81|
|XC70 T6 AWD 4-Dr||$286||$558||$300||$18||$90||$1,252||$104|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices significantly.
Impact of careless driving on car insurance rates
The chart below demonstrates how citations and at-fault collisions increase Volvo XC70 yearly insurance costs for different insured age categories. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
How much more does full coverage cost in Honolulu?
The illustration below examines Volvo XC70 insurance premiums with liability coverage only compared to full coverage. The costs are based on no claims or violations, $100 deductibles, married male driver, and no discounts are taken into consideration.
When to drop comp and collision
There is no written rule of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's pretend your Volvo XC70 replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after you pay the deductible. If premiums are more than $700 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
Volvo XC70 insurance discounts in Honolulu
The cost of insuring your cars can be expensive, but you might already qualify for some discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but less common discounts must be specifically requested prior to receiving the credit. If they aren't giving you every credit possible, you're just leaving money on the table.
- Payment Discounts - If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.
- Clubs and Organizations - Participating in qualifying clubs or civic groups is a simple method to lower premiums when shopping for insurance.
- Early Signing - A few insurance companies offer discounts for switching companies prior to the expiration date on your current XC70 insurance policy. This discount can save up to 10%.
- Distant Student Discount - Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
- Discounts for Government Workers - Active or retired federal employment can earn a discount up to 10% depending on your company.
- Seat Belts Save more than Lives - Drivers who require all vehicle occupants to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.
- Accident Free - Claim-free drivers have much lower rates as opposed to accident-prone drivers.
- Good Grades Discount - This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
You should keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, nobody gets a free ride.
Large insurance companies and some of the premium reductions they offer are shown below.
- State Farm includes discounts for multiple policy, good driver, anti-theft, accident-free, Steer Clear safe driver discount, Drive Safe & Save, and student away at school.
- GEICO offers premium reductions for driver training, multi-vehicle, emergency military deployment, defensive driver, and seat belt use.
- Liberty Mutual offers discounts for good student, exclusive group savings, multi-policy, new move discount, safety features, and newly married.
- The Hartford has savings for driver training, air bag, defensive driver, good student, vehicle fuel type, bundle, and anti-theft.
- MetLife may offer discounts for good driver, defensive driver, multi-policy, good student, and claim-free.
- Progressive policyholders can earn discounts including continuous coverage, online quote discount, good student, homeowner, online signing, multi-vehicle, and multi-policy.
If you are trying to find the cheapest Volvo XC70 rate quotes, ask each company which discounts can lower your rates. Discounts might not apply in your state. If you would like to view companies with discount rates in Hawaii, follow this link.
Informed Decisions Result in Lower Insurance Rates
One of the most helpful ways to save on insurance is to to have a grasp of some of the things that go into determining the price you pay for insurance. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in cheaper rates. Multiple criteria are considered when you quote your car insurance policy. Some are obvious like an MVR report, but some are less obvious like where you live and annual miles driven.
Consolidate policies with the same company - Many insurance companies provide better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it's always a smart idea to compare other company rates to help ensure you have the lowest rates. You may still be able to find better rates by splitting coverages up.
Having a spouse reduces risk - Walking down the aisle can get you a discount on your insurance policy. Having a spouse is viewed as being more mature than a single person and statistics show married drivers tend to file fewer claims.
Coverage lapses lead to higher insurance rates - Driving without insurance coverage in place is against the law and insurance companies will penalize you for letting your insurance expire. Not only will rates go up, getting caught without coverage could result in a fine, jail time, or a revoked license.
High credit scores save money - An insured's credit history can be an important factor in calculating your insurance rates. Drivers who have very high credit ratings tend to be more responsible and file fewer claims than those with lower credit ratings. So if your credit history is lower than you'd like, you may save money insuring your Volvo XC70 if you improve your credit rating.
Big cities have higher costs - Living in less populated areas has definite advantages when talking about insurance. City drivers tend to have traffic congestion and more severe claims. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates.
Cheaper to insure gals? - Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn't prove that females are better drivers. They both tend to get into fender benders in similar numbers, but the men get into accidents with more damage. Men also tend to get higher numbers of serious violations such as DWI and reckless driving.
Volvo XC70 insurance loss statistics - Insurance companies factor in insurance loss information when setting premium prices. Models that statistically have high amounts or severity of claims will cost more to insure.
The table below outlines the loss history for Volvo XC70 vehicles. For each policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Percentages below 100 imply a favorable loss record, while values that are 100 or greater indicate more frequent claims or statistically larger losses.
Insurance Loss Ratings for Volvo XC70 Vehicles
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volvo XC70 Station Wagon 2WD||69|
|Volvo XC70 Station Wagon 4WD||79||70||94||45|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance agents are trained to help
A lot of people prefer to buy from a local agent and that is recommended in a lot of cases A nice benefit of comparing rates online is you can get lower rates and also buy local.
To make it easy to find an agent, after completing this form (opens in new window), your information is transmitted to local insurance agents in Honolulu who can give free rate quotes for your insurance coverage. You never need to find an agent because prices are sent immediately to your email address. You can find lower rates and an insurance agent to talk to. If you wish to compare rates from a specific insurance company, just navigate to their website and give them your coverage information.
Choosing the best provider shouldn't rely on just a cheap quote. Agents should be asked these questions:
- Do they offer rental car reimbursement?
- Is their price quote a firm figure or are their hidden costs?
- Do the coverages you're quoting properly cover your vehicle?
- What insurance company do they write the most business with?
- Do they have 24-hour customer assistance?
If you are wanting to find a good Honolulu insurance agent, you must know there are a couple different agency structures and how they can write your policy. Honolulu agents can be classified as either independent agents or exclusive agents.
Exclusive Insurance Agents
Agents in the exclusive channel can only write with one company like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently choose to use a exclusive agent mostly because of the brand legacy and the convenience of having all coverages with one company.
Below is a list of exclusive insurance agencies in Honolulu willing to provide rate quotes.
- Suzette Rudolf Trehern - State Farm Insurance Agent
7192 Kalanianaole Hwy g210 - Honolulu, HI 96825 - (808) 395-3434 - View Map
- Allstate Insurance: Ricky N. Bonilla
2024 N King St #101b - Honolulu, HI 96819 - (808) 842-5844 - View Map
- U'ilani Hawelu - State Farm Insurance Agent
1960 Kapiolani Blvd Ste 208 - Honolulu, HI 96826 - (808) 955-9090 - View Map
Independent Insurance Agents
Independent insurance agents do not work for one specific company so they can write business with any number of different companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies and the insured can keep the same agent.
When comparison shopping, you should always compare prices from several independent agencies so that you can do a thorough price comparison. Most can insure with lesser-known insurance companies which could offer lower prices.
Below is a list of independent agents in Honolulu willing to provide 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
- Anita Butay Diniega
1088 Bishop St #2210 - Honolulu, HI 96813 - (808) 841-5915 - View Map
Find cheaper rates by being thorough
Some companies may not offer the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent agents. Cheaper Volvo XC70 insurance in Honolulu can be purchased from both online companies and also from your neighborhood Honolulu agents, and you should compare price quotes from both in order to have the best chance of saving money.
When buying insurance coverage, you should never reduce needed coverages to save money. In many instances, an insured dropped full coverage to discover at claim time that it was a big mistake. Your objective should be to get the best coverage possible at the best cost, but do not skimp to save money.
People change insurance companies for a variety of reasons including delays in paying claims, lack of trust in their agent, high rates after DUI convictions and high prices. Regardless of your reason for switching companies, finding the right insurance provider can be less work than you think.
- Understanding your Policy (NAIC.org)
- How Much are Hawaii Auto Insurance Quotes for a Nissan Rogue? (FAQ)
- What is the Best Cheap Auto Insurance in Lahaina, HI? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)
- Understanding Rental Car Insurance (Insurance Information Institute)