Would you prefer to buy cheaper Chevy Avalanche insurance in Honolulu? Buying more affordable Honolulu Chevy Avalanche insurance quotes on the web may seem to be rather difficult for consumers that are relatively new to comparing prices on the web. With so many online companies, how can Honolulu drivers have the ability to compare the different rates to find cheaper insurance rates?
It's amazing but most consumers in Hawaii have purchased from the same company for more than four years, and about 40% of consumers have never even compared rates from other companies. Many drivers in the United States could save $860 every year by just shopping around, but they just don't understand the rate savings if they changed companies.
Consumers should take time to compare rates quite often because insurance rates go up and down regularly. If you had the best deal on Chevy Avalanche insurance in Honolulu a few years ago a different company probably has better prices today. You'll find quite a bit of inaccurate information about Avalanche insurance on the web, but by reading this article, you're going to learn the easiest ways to find cheap insurance in Honolulu.
The best way we recommend to compare car insurance company rates for Chevy Avalanche insurance in Honolulu is to know the trick most of the bigger providers actually pay money for the chance to provide you with free rate quotes. All you need to do is provide the companies a bit of rating information including if the car is leased, what your job is, whether the vehicles are used for commuting, and an estimate of your credit level. That information is instantly submitted to all major companies and you will receive price estimates within a short period of time.
If you would like to start a quote now, click here and enter your coverage details.
The providers in the list below can provide quotes in Hawaii. If multiple companies are listed, we recommend you visit several of them to get the cheapest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Avalanche LS 2WD||$224||$338||$338||$20||$102||$1,022||$85|
|Avalanche LT 2WD||$140||$294||$400||$24||$120||$978||$82|
|Avalanche LS 4WD||$122||$250||$348||$20||$104||$844||$70|
|Avalanche LT 4WD||$256||$500||$446||$26||$134||$1,362||$114|
|Avalanche LTZ 2WD||$136||$264||$374||$22||$112||$908||$76|
|Avalanche LTZ 4WD||$222||$398||$374||$22||$112||$1,128||$94|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location information which can affect premiums noticeably.
Physical damage deductibles: Should you raise them?
The chart below illustrates how choosing a deductible and can impact Chevrolet Avalanche insurance costs for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
Chevrolet Avalanche liability rates compared to full coverage
The chart below shows the comparison of Chevrolet Avalanche insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no tickets, no at-fault accidents, $250 deductibles, single female driver, and no policy discounts are applied.
When to drop full coverage
There is no specific rule to delete comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let's say your Chevrolet Avalanche replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your deductible. If you are paying more than $300 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Get affordable rates by taking advantage of discounts
Buying car insurance is not cheap, but you might be missing out on some discounts that you may not even know about. Most are applied at the time of purchase, but a few must be manually applied prior to receiving the credit. If you check and find you aren't receiving every discount possible, you could be getting lower rates.
- E-sign Discounts - Some of the larger companies will provide an incentive for buying your policy online.
- Federal Government Employee - Employees or retirees of the government could provide a small rate reduction with some car insurance companies.
- Multiple Cars - Buying coverage for more than one vehicle on one policy can get a discount for every vehicle.
- Switch and Save Discount - Some insurance companies reward drivers for renewing your policy prior to the expiration date on your current Avalanche insurance policy. The savings is around 10%.
- Good Driver Discounts - Insureds without accidents can pay as much as 50% less than their less cautious counterparts.
- Low Mileage Discounts - Keeping the miles down on your Chevy could earn discounted premium rates on garaged vehicles.
Remember that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.
To view car insurance companies that offer multiple discounts in Hawaii, click here.
Shop online but buy locally
A lot of people would prefer to buy from a licensed agent and that can be a smart move The best thing about comparing rate quotes online is that you can find lower rates but still work with a licensed agent. Putting coverage with neighborhood agents is important especially in Honolulu.
By using this simple form, the coverage information is transmitted to insurance agents in Honolulu who will give you bids to get your business. You don't have to do any legwork since rate quotes are delivered to the email address you provide. Get lower rates without having to waste a lot of time. If you need to compare prices from a specific company, you just need to find their quoting web page to submit a rate quote request.
Is an exclusive or independent auto insurance agent right for you?
If you need to find a good insurance agency, you need to know there are two types of agencies that you can select. Agents in Honolulu can be classified as either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
Independent agencies can sell policies from many different companies so they can quote policies with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can just switch to a different company and you don't have to do anything. When shopping rates, we highly recommend that you get insurance quotes from multiple independent agents for the best price selection. Most also write with additional companies that you may not be familiar with which may have better rates.
Below are Honolulu independent insurance agencies who may be able to give you free insurance quotes.
- Insurance Associates, Inc.
800 Bethel St # 200 - Honolulu, HI 96813 - (808) 538-6938 - View Map
- Anita Butay Diniega
1088 Bishop St #2210 - Honolulu, HI 96813 - (808) 841-5915 - View Map
- Dongbu Insurance
1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map
Exclusive Insurance Agencies
Agents of this type can only quote rates from one company and examples are Farmers Insurance, Allstate, or State Farm. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are well trained on what they offer which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents partially due to the brand legacy rather than low rates.
Below are exclusive insurance agencies in Honolulu who can help you get price quotes.
- Doug Kam-Young - State Farm Insurance Agent
2841 Kaonawai Pl - Honolulu, HI 96822 - (808) 988-7011 - View Map
- Larry Welsch - State Farm Insurance Agent
1575 S Beretania St Ste 203 - Honolulu, HI 96826 - (808) 944-3450 - View Map
- Gwenette Higa - State Farm Insurance Agent
841 Bishop St #203 - Honolulu, HI 96813 - (808) 531-9918 - View Map
Finding a good insurance agency shouldn't rely on just a cheap price quote. Here are some questions to ask:
- Do they offer rental car reimbursement?
- Is there a local claims center in Honolulu?
- Are they involved in claim handling?
- How much training do they have in personal risk management?
- Do they offer accident forgiveness?
- Are you getting all the discounts the company offers?
Why Your Insurance Costs might be higher
It's important that you understand the rating factors that help calculate your premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to cheaper rates.
- Improve your credit rating - Credit score can be an important factor in calculating your auto insurance rates. If your credit score can use some improvement, you could pay less to insure your Chevrolet Avalanche if you improve your credit rating. People that have high credit ratings tend to file fewer claims than drivers who have lower credit scores.
- Tickets inflate costs - Your driving citation history impacts premiums far more than you think. Drivers who don't get tickets get better prices than bad drivers. Even a single speeding ticket may cause rates to rise by twenty percent. Drivers who have careless violations like DUI or willful reckless driving may be required to complete a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
- Keep the miles off and save - The higher the mileage driven each year the more you'll pay to insure your vehicle. Almost all companies calculate prices based on their usage. Cars that have low annual miles can be on a lower rate level compared to those used for work or business. Verify your declarations sheet is rated on the correct usage, because it can save money. Having an incorrect usage rating on your Avalanche can cost quite a bit.
- Older drivers pay less - Youthful drivers in Hawaii are known to be inattentive in a vehicle and because of this, their auto insurance rates are much higher. Parents adding a young driver to your policy can increase premiums substantially. Older people are viewed as being more responsible, file fewer claims, and usually have better credit.
- Pay more if you have a long commute - Choosing to live in smaller towns and rural areas of the country can be a good thing when buying auto insurance. Fewer drivers means less chance of accidents. Residents of big cities have much more traffic and a longer drive to work. The longer drive time means a statistically higher chance of an accident.
- Add-on coverages push up prices - There are many extra add-on coverages that may not really be needed when buying auto insurance. Coverages for roadside assistance, towing coverage, and term life insurance may not be needed and are just wasting money. They may sound like good ideas when talking to your agent, but if they're wasting money get rid of them and save.
Insurance is not optional
Despite the fact that insurance is not cheap in Honolulu, insurance serves a purpose in several ways.
- Just about all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to drive the car legally. 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.
- If you have a loan on your Chevy, almost every bank will force you to buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Chevy for a much higher rate and force you to pay the higher premium.
- Insurance protects both your car and your personal assets. Insurance will also pay for medical bills that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees in the event you are sued. If your Chevy gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is currently overpaying as much as $820 a year so you should quote rates every year to make sure the price is not too high.
What is YOUR best insurance company?
Consumers switch companies for a number of reasons such as delays in paying claims, high prices, denial of a claim or being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company can be easier than you think.
When you buy Honolulu car insurance online, don't be tempted to buy poor coverage just to save money. There have been many cases where someone sacrificed liability coverage limits and learned later that they should have had better coverage. The aim is to buy a smart amount of coverage at the best price, but do not skimp to save money.
We've covered a lot of information how to compare Chevy Avalanche insurance auto insurance rates in Honolulu. It's most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a small mutual company.
To read more, feel free to browse these articles:
- State Laws for Cellphones and Texting (iihs.org)
- What Car Insurance is Cheapest in Mililani Town, Hawaii? (FAQ)
- How Much is Auto Insurance for Low Mileage Drivers in Hawaii? (FAQ)
- Who Has Cheap Hawaii Auto Insurance Quotes for Low Income Drivers? (FAQ)
- What Car Insurance is Cheapest for a Subaru Outback in Hawaii? (FAQ)
- How Much are Car Insurance Quotes for Drivers with Bad Credit in Hawaii? (FAQ)
- What Auto Insurance is Cheapest in Waipahu, Hawaii? (FAQ)
- Who Has the Cheapest Auto Insurance for a Learners Permit in Hawaii? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)
- All About Airbag Safety (State Farm)