Feeling guilty for buying an overpriced auto insurance policy? Believe me, there are a lot of people in Honolulu just like you who feel imprisoned by their auto insurance policy.

Insurance quote for Chevy Impala in HonoluluAmazingly, a recent NerdWallet.com study showed that almost 70% of drivers in Hawaii have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never compared rates with other companies. Consumers in the U.S. can save nearly 46.5% each year just by shopping around, but they underestimate the large savings they would see if they switch to a new company.

Because you have many options when it comes to auto insurance, it's nearly impossible to find the lowest cost company.

It is always a good idea to compare prices yearly due to the fact that insurance prices change regularly. Even if you got the best deal on Chevy Impala insurance in Honolulu on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the proper way to properly buy coverages while reducing your premium.

The purpose of this article is to tell you how insurance works and how to save the most money. If you currently have car insurance, you will definitely be able to reduce premiums using these tips. But Hawaii vehicle owners can benefit by having an understanding of how companies determine how much to charge.

These discounts can lower your auto insurance quotes

Insurance can be prohibitively expensive, but there's a good chance there are discounts that can help lower your rates. Some discounts apply automatically at the time you complete a quote, but once in a while a discount must be specially asked for before you get the savings.

A quick disclaimer, some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

Large auto insurance companies and some of their more popular discounts can be read below.

If you are trying to find affordable Chevrolet Impala insurance quotes, ask every company which discounts they offer. All car insurance discounts may not apply to policyholders in your state. To find companies with the best Chevy Impala insurance discounts in Honolulu, follow this link.

How to compare Honolulu Chevy Impala insurance rate quotes

Many insurance companies give insurance quotes from their websites. Obtaining pricing for Chevy Impala insurance in Honolulu doesn't take much effort as you just type in the amount of coverage you want into the quote form. When the form is submitted, the company's rating system will order reports for credit and driving violations and gives you a price quote based on many factors. Being able to quote online for Chevy Impala insurance in Honolulu makes comparing rates easy, and it is imperative to do this if you want to get a better rate.

To find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you replicate the coverages identical to your current policy. This ensures you will get a fair comparison based on identical coverages.

The companies shown below are ready to provide free quotes in Honolulu, HI. If several companies are displayed, we suggest you visit two to three different companies in order to find the cheapest rates.

Chevrolet Impala Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $170 $404 $300 $18 $90 $982 $82
Impala LS $180 $378 $272 $16 $82 $928 $77
Impala LT $196 $390 $344 $20 $104 $1,054 $88
Impala LT $218 $464 $344 $20 $104 $1,150 $96
Impala LTZ $142 $320 $300 $18 $90 $870 $73
Impala LTZ $190 $328 $346 $20 $104 $988 $82
Get Your Own Custom Quote Go

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in zip code location which can impact coverage rates substantially.

How high should deductibles be?

One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The data tables below lay out the cost difference when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Chevrolet Impala insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $178 $344 $264 $16 $80 $907 $76
Impala LS $178 $344 $264 $16 $80 $907 $76
Impala LT $204 $344 $264 $16 $80 $933 $78
Impala LT $204 $344 $264 $16 $80 $933 $78
Impala LTZ $204 $406 $264 $16 $80 $995 $83
Impala LTZ $204 $406 $264 $16 $80 $995 $83
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Chevrolet Impala insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $110 $216 $264 $16 $80 $686 $57
Impala LS $110 $216 $264 $16 $80 $686 $57
Impala LT $126 $216 $264 $16 $80 $702 $59
Impala LT $126 $216 $264 $16 $80 $702 $59
Impala LTZ $126 $256 $264 $16 $80 $742 $62
Impala LTZ $126 $256 $264 $16 $80 $742 $62
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, claim-free, homeowner, and multi-vehicle. Price information does not factor in garaging location in Honolulu which can modify rates substantially.

Based on this data, using a $250 deductible costs approximately $20 more each month or $240 a year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 38 months between claims, you would save more money if you elect the higher deductible.

Chevy Impala Insurance Premium Factors

Smart consumers have a good feel for the factors that are used to determine the price you pay for insurance. When you know what positively or negatively influences your rates, this enables you to make decisions that can earn you much lower annual insurance costs.

The following are most of the major factors used by your company to calculate your prices.

Auto insurance is unique, just like you

When quoting and choosing the right insurance coverage, there is no best way to insure your cars. Your situation is unique and your policy should reflect that. These are some specific questions might help in determining whether your personal situation might need professional guidance.

If you don't know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Compare rate quotes but buy from a local Honolulu insurance agency

A small number of people just prefer to sit down with an agent and there is nothing wrong with that. The best thing about comparing insurance prices online is the fact that you can find cheap auto insurance rates and still buy from a local agent. And providing support for local insurance agents is especially important in Honolulu.

Insurance agency in HonoluluTo make it easy to find an agent, after completing this simple form, your insurance data is instantly submitted to local insurance agents who will give competitive quotes to get your business. It simplifies rate comparisons since you won't have to even leave your home since rate quotes are delivered immediately to you. You can get cheaper auto insurance rates and work with a local agent. If you need to get a rate quote from one company in particular, you would need to visit that company's website and give them your coverage information.

Pick the best auto insurance agent in Honolulu for you

When looking for local Honolulu agents, there are two types of agencies from which to choose. Honolulu agents are either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Independent agents often have many company appointments and that allows them to write policies with any number of different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you don't have to find a new agent.

When comparing rates, you will want to get insurance quotes from multiple independent agents to have the most options to choose from.

Below are independent agents in Honolulu that can possibly get you free auto insurance quotes.

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

420 Waiakamilo Rd - Honolulu, HI 96817 - (808) 527-7667 - View Map

1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map

More Honolulu agents

Exclusive Agents

These type of agents work for only one company like Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents are well schooled on what they offer which helps them sell on service rather than price.

Shown below are Honolulu exclusive agents who can help you get comparison quotes.

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

1130 N Nimitz Hwy Rm A260 - Honolulu, HI 96817 - (808) 664-0970 - View Map

1580 Makaloa St #102 - Honolulu, HI 96814 - (808) 945-0802 - View Map

More Honolulu agents

Choosing a car insurance agent should include more criteria than just the quoted price. Before buying a policy in Honolulu, get answers to these questions.

Choosing the best Impala insurance in Hawaii is an important decision

Even though Honolulu Impala insurance rates can get expensive, paying for car insurance is required for several reasons.

First, the majority of states have compulsory liability insurance requirements which means you are required to carry a specific level of liability protection in order to get the vehicle licensed. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a lienholder, most lenders will require you to have full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank may buy a policy for your Chevy at a significantly higher premium and require you to reimburse them a much higher amount than you were paying before.

Third, car insurance preserves not only your car but also your financial assets. It also can pay for hospital and medical expenses that are the result of an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, your car insurance policy will cover the repair costs.

The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. Unknowingly, the average driver is overpaying more than $865 each year so shop around every year to be sure current rates are still competitive.

Cheap car insurance premiums are out there

We covered quite a bit of information on how to save on Chevy Impala insurance in Honolulu. The key concept to understand is the more quotes you get, the better chance you'll have of finding inexpensive Honolulu auto insurance quotes. Consumers may even find the lowest priced car insurance comes from a small mutual company. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

While you're price shopping online, don't be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

Some car insurance companies do not offer rate quotes online and these smaller companies only sell coverage through independent agencies. The cheapest Chevy Impala insurance in Honolulu can be bought online in addition to local insurance agencies, so you need to compare both to have the best selection.

More information can be read at the links below