Insurance for Chevy EquinoxAre you looking for a better way to compare the cheapest Chevy Equinox insurance in Honolulu? Searching for the cheapest insurance for your Chevy Equinox in Hawaii could be a lot of work, but you can use these tips to find lower rates. There is a better way to compare insurance rates so we're going to tell you the proper way to price shop coverage for a Chevy and find the lowest price from Honolulu insurance agents and online providers.

Finding the cheapest coverage in Honolulu is really quite easy. If you have a current insurance policy or just want to save money, use these cost-cutting techniques to reduce premiums and still have adequate protection. Drivers just need to know the proper way to compare rate quotes from many companies at once.

Low-cost companies for Chevy Equinox insurance in Hawaii

The following companies provide quotes in Honolulu, HI. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Chevrolet Equinox Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $208 $378 $272 $16 $82 $956 $80
Equinox LT 2WD $158 $286 $248 $14 $74 $780 $65
Equinox LS AWD $218 $464 $344 $20 $104 $1,150 $96
Equinox LT AWD $220 $404 $270 $16 $80 $990 $83
Equinox LTZ 2WD $146 $278 $254 $16 $76 $770 $64
Equinox LTZ AWD $252 $558 $320 $18 $96 $1,244 $104
Equinox LTZ AWD $162 $256 $346 $20 $104 $888 $74
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in garaging location in Honolulu which can affect coverage rates considerably.

Comparison of policy deductibles

One common question asked by Honolulu drivers is the level to set your comp and collision deductibles. The premium rates below can help you understand the differences in premium rates when you choose different physical damage coverage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Chevrolet Equinox insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $204 $344 $264 $16 $80 $933 $78
Equinox LT 2WD $204 $344 $264 $16 $80 $933 $78
Equinox LS AWD $204 $344 $264 $16 $80 $933 $78
Equinox LT AWD $204 $344 $264 $16 $80 $933 $78
Equinox LTZ 2WD $230 $406 $264 $16 $80 $1,021 $85
Equinox LTZ AWD $230 $406 $264 $16 $80 $1,021 $85
Equinox LTZ AWD $230 $406 $264 $16 $80 $1,021 $85
Get Your Own Custom Quote Go
Chevrolet Equinox insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $126 $216 $264 $16 $80 $702 $59
Equinox LT 2WD $126 $216 $264 $16 $80 $702 $59
Equinox LS AWD $126 $216 $264 $16 $80 $702 $59
Equinox LT AWD $126 $216 $264 $16 $80 $702 $59
Equinox LTZ 2WD $142 $256 $264 $16 $80 $758 $63
Equinox LTZ AWD $142 $256 $264 $16 $80 $758 $63
Equinox LTZ AWD $142 $256 $264 $16 $80 $758 $63
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in specific location information which can impact price quotes considerably.

Based on the figures above, using a $250 deductible costs about $20 more each month or $240 annually than quoting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 38 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Careless drivers pay higher rates

The chart below illustrates how traffic citations and accident claims can influence Chevrolet Equinox insurance costs for different age groups. The data is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Affordable Honolulu insurance rates with discounts

Car insurance companies don't list every disount available in a way that's easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using when you buy Honolulu car insurance online.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, you're out of luck. But all discounts will lower your overall premium however.

Auto insurance companies who may offer most of the discounts above include:

If you need lower rates, check with every company how many discounts you can get. A few discounts may not apply to policies everywhere.

Independent versus exclusive insurance agencies

A small number of people just prefer to visit with an insurance agent and doing so can bring peace of mind Insurance agents can help you build your policy and help in the event of a claim. A good thing about comparing auto insurance online is the fact that drivers can get cheap rate quotes and also buy local.

Insurance agency in HonoluluFor easy comparison, once you complete this short form, your information is transmitted to local insurance agents that give free quotes to get your business. There is no reason to leave your house because prices are sent straight to your inbox. If you need to get a rate quote from a specific company, you can always visit that company's website and fill out the quote form the provide.

Deciding on an provider needs to be determined by more than just a cheap price quote. Any agent in Honolulu should have no problem answering these questions:

Do you need an independent or exclusive auto insurance agent?

If you are searching for a local Honolulu insurance agency, there are a couple of types of agencies that you can choose from. Honolulu agents are either exclusive agents or independent agents. Either type can write policy coverage, but it's worth mentioning how they are different because it can factor into your selection of an agent.

Exclusive Insurance Agents

These type of agents can only provide one company's prices such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on their company's products which helps them sell on service rather than price. A lot of people use the same agent partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Below is a list of exclusive agencies in Honolulu that can give you comparison quotes.

More Honolulu agents

Independent Insurance Agents

Agents of this type do not work for one specific company and that gives them the ability to insure with multiple insurance companies and get the cheapest rates. If they find a cheaper price, your agent can switch companies and you don't have to switch agencies.

When comparing rates, you absolutely need to compare prices from multiple independent agents to maximize your price options. Many independent agencies also insure through smaller mutual companies that may provide cheaper auto insurance rates.

Shown below is a short list of independent agencies in Honolulu willing to provide price quote information.

More Honolulu agents

Can switching companies really save?

Hawaii drivers can't get away from ads for cheaper insurance by companies like State Farm, GEICO and Progressive. All the companies state the claim that drivers will save a bundle if you move to them.

How can each company say the same thing?

Companies quote the lowest rates for the type of customer that earns them a profit. One example of a desirable insured may need to be between the ages of 30 and 45, has had continuous coverage, and has excellent credit. Anybody who fits those characteristics receives the best car insurance rates in Honolulu and most likely will pay quite a bit less when switching companies.

People who fall outside the ideal profile will probably have to pay more expensive rates which leads to the customer buying from someone else. Company advertisements say "drivers that switch" but not "all drivers who get quotes" save that kind of money. This is how insurance companies can make those statements. This emphasizes why it is so important to get a wide range of price quotes. It is impossible to predict with any certainty which company will provide you with the cheapest Chevy Equinox insurance in Honolulu.

Affordable insurance premiums are possible

We covered a lot of information how to reduce Chevy Equinox insurance car insurance rates online in Honolulu. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates come from a small mutual company.

Drivers change insurance companies for many reasons like policy non-renewal, delays in paying claims, extreme rates for teen drivers or even high prices. No matter why you want to switch, finding a new company can be pretty painless.

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

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