Discount Chevy Suburban insuranceWish you could get out of an expensive car insurance policy? Believe me when I say you are not the only one feeling buyer's remorse.

Shockingly, a large majority of consumers have stayed with the same insurance company for a minimum of four years, and approximately 40% of consumers have never quoted car insurance rates at all. Many consumers in the United States can save approximately $850 each year by just shopping around, but they just feel it's too hard to find lower-cost car insurance rates.

Companies like State Farm, Progressive and GEICO continually hit you with ads and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

It is always a good idea to check car insurance prices periodically because car insurance prices are adjusted regularly by insurance companies. Even if you got the lowest price on Chevy Suburban insurance in Honolulu last year you can probably find a lower rate today. Block out anything you think you know about car insurance because we're going to show you how to use the internet to save money, get proper coverage and the best rates.

Discounts mean cheaper rates for Chevy Suburban insurance in Honolulu

Companies offering auto insurance don't list all discounts very well, so the below list has a few of the more well known and the more hidden savings tricks you should be using when you buy Honolulu car insurance online. If you check and find you aren't receiving every discount possible, you could be saving more on your car insurance.Car insurance discounts

Discounts lower rates, but most credits do not apply to the whole policy. Some only apply to individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, you aren't that lucky.

Auto insurance companies who might offer some of the discounts shown above possibly include:

When getting a coverage quote, ask every prospective company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in Honolulu.

How to buy Honolulu Chevy Suburban insurance online

It's important to know that making a lot of price comparisons will improve the odds of getting more affordable insurance.

The providers in the list below have been selected to offer free quotes in Honolulu, HI. If multiple companies are listed, it's a good idea that you get prices from several of them to get a more complete price comparison.

Chevrolet Suburban Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $188 $278 $264 $16 $80 $826 $69
Suburban LT 2WD $158 $266 $358 $22 $106 $910 $76
Suburban LS 4WD $130 $200 $272 $16 $82 $700 $58
Suburban LT 4WD $122 $212 $278 $16 $84 $712 $59
Suburban LTZ 2WD $158 $314 $358 $22 $106 $958 $80
Suburban LTZ 4WD $180 $338 $300 $18 $90 $926 $77
Get Your Own Custom Quote Go

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can affect auto insurance rates considerably.

How accidents and violations affect rates

The information below highlights how traffic violations and at-fault accidents can impact Chevrolet Suburban auto insurance rates for each age group. The data assumes a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Car insurance deductibles

One common question asked by Honolulu drivers is how high should the physical damage deductibles be. The comparison tables below may help you to understand the price difference between low and high policy deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Chevrolet Suburban insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $230 $344 $264 $16 $80 $959 $80
Suburban LT 2WD $230 $344 $264 $16 $80 $959 $80
Suburban LS 4WD $230 $344 $264 $16 $80 $959 $80
Suburban LT 4WD $230 $344 $264 $16 $80 $959 $80
Suburban LTZ 2WD $230 $406 $264 $16 $80 $1,021 $85
Suburban LTZ 4WD $258 $406 $264 $16 $80 $1,049 $87
Get Your Own Custom Quote Go
Chevrolet Suburban insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $188 $278 $264 $16 $80 $826 $69
Suburban LT 2WD $188 $278 $264 $16 $80 $826 $69
Suburban LS 4WD $188 $278 $264 $16 $80 $826 $69
Suburban LT 4WD $188 $278 $264 $16 $80 $826 $69
Suburban LTZ 2WD $188 $328 $264 $16 $80 $876 $73
Suburban LTZ 4WD $210 $328 $264 $16 $80 $898 $75
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in specific location information which can raise or lower premiums significantly.

Based on these figures, using a $250 deductible could cost the average driver approximately $11 more each month or $132 each year than selecting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 23 months between claims, you would probably save some money if you opt for a higher deductible.

You are unique and your insurance should be too

When it comes to a policy for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that.Drive safe and save For instance, these questions could help you determine if your situation may require specific advice.

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Exclusive and independent auto insurance agents

A lot of people just want to get professional advice from a licensed agent and that can be a smart move One of the benefits of getting online price quotes is the fact that you can find the best rates and also buy local.

Insurance agency in HonoluluAfter completing this quick form, your coverage information is sent to participating agents in Honolulu who want to provide quotes to get your business. There is no reason to leave your house because prices are sent directly to you. You can find the lowest rates and a licensed agent to talk to. If you wish to get a price quote from one company in particular, you just need to jump over to their website and complete a quote there.

Finding a good company is decision based upon more than just a cheap price. Here are some questions you should ask.

Is an exclusive or independent auto insurance agent right for you?

If you are wanting to purchase auto insurance from a local Honolulu insurance agency, you need to know there are two different agency structures that differ in how they can insure your vehicles. Auto insurance agencies are considered either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Exclusive agents work for only one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents are well schooled on their company's products and that enables them to sell even at higher rates.

Below is a list of exclusive insurance agents in Honolulu that are able to give rate quotes.

800 S Beretania St Ste 260 - Honolulu, HI 96813 - (808) 591-8016 - View Map

Scott Saito - State Farm Insurance Agent
1150 S King St #901d - Honolulu, HI 96814 - (808) 946-8464 - View Map

2153 N King St #108a - Honolulu, HI 96819 - (808) 847-0835 - View Map

View more Honolulu agents

Independent Agents

Agents that elect to be independent do not write with just one company so they can write business amongst many companies and find you the best rates. If they quote lower rates, they simply move your policy to a different company which is easy for the insured. When shopping rates, it's recommended you get insurance quotes from at a minimum one independent agency to get the best comparison.

Shown below is a list of independent agents in Honolulu that can give you price quotes.

800 Bethel St # 200 - Honolulu, HI 96813 - (808) 538-6938 - View Map

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

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

View more Honolulu agents

Once you have reasonable responses as well as an affordable premium quote, most likely you have located an insurance agent that meets the requirements to adequately provide auto insurance.

One last thing about your coverage

When you buy Honolulu car insurance online, make sure you don't buy poor coverage just to save money. In many cases, an insured cut full coverage only to regret at claim time that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

In this article, we covered many ways to reduce Chevy Suburban insurance auto insurance rates online in Honolulu. The most important thing to understand is the more you quote Honolulu car insurance, the higher your chance of finding affordable Honolulu car insurance quotes. You may even discover the biggest savings come from the least-expected company. They can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.

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