Insurance quote for Porsche Panamera in HonoluluExpensive insurance in Honolulu can dry up your bank account and possibly require postponing other expenditures. Doing a rate analysis is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

A recent study showed that the vast majority of consumers kept buying from the same company for over three years, and approximately 38% of consumers have never shopped around. Honolulu drivers could save 40% each year just by comparing rates, but most undervalue the amount of savings they would get if they switched to a more affordable policy. You have so many insurance companies to pick from, and although it's a good thing to have a choice, more choices can make it harder to find the best rates for your vehicles.

It's a great practice to compare rates at least once a year because insurance prices change quite often. Just because you had the best rates on Porsche Panamera insurance in Honolulu two years ago you can probably find a lower rate today. You can find a lot of information about Panamera insurance out there, but in just a couple of minutes you can learn some tested techniques to slash your insurance rates in Honolulu.

Best Porsche Panamera insurance rate quotes in Hawaii

The companies in the list below are our best choices to provide price quotes in Honolulu, HI. If the list has multiple companies, it's a good idea that you click on several of them to get the best price comparison.

Porsche Panamera Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Panamera S 4-Dr Hatchback $204 $378 $272 $16 $82 $952 $79
Panamera 4S AWD 4-Dr Hatchback $268 $530 $272 $16 $82 $1,168 $97
Panamera Turbo AWD 4-Dr Hatchback $290 $660 $278 $16 $84 $1,328 $111
Get Your Own Custom Quote Go

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in specific location information which can alter premium rates considerably.

Safe drivers pay less for car insurance

The information below illustrates how violations and at-fault accidents can drive up Porsche Panamera annual premium costs for different age categories. The costs are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Do you qualify for discounts?

Some providers don't always list every possible discount very well, so the next list breaks down a few of the more common and the more hidden credits available to lower your premiums when you buy Honolulu auto insurance online.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you can get free auto insurance, insurance companies wouldn't stay in business.

To locate providers that have a full spectrum of discounts in Hawaii, click here.

Compare prices but still have a local neighborhood Honolulu car insurance agent

Some people still prefer to talk to a local agent and doing so can bring peace of mind Agents can help you build your policy and help you file claims. One of the benefits of getting free rate quotes online is that you can obtain better rates and still have an agent to talk to.

To find an agent, once you fill out this simple form, your coverage information gets sent to companies in Honolulu who will give you bids for your business. You won't even need to contact any insurance agencies because prices are sent to you instantly. If you need to compare rates from a specific insurance company, you would need to navigate to their website and fill out their quote form.

Picking an company needs to be determined by more than just the bottom line cost. You should also get answers to these questions.

If you are wanting to find a reputable agency, it's helpful to know the different agency structures from which to choose. Honolulu agents are categorized either independent or exclusive. Both write auto insurance policies, but it's worth mentioning how they differ since it could factor into buying decisions.

Exclusive Auto Insurance Agencies

Exclusive agents can only place business with one company and some examples include Farmers Insurance, Allstate, or State Farm. They generally cannot place coverage with different providers so they have no alternatives for high prices. They are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Below are Honolulu exclusive insurance agencies who can help you get price quotes.

23 S Vineyard Blvd #205 - Honolulu, HI 96813 - (808) 528-0001 - View Map

Allstate Insurance: Valerie Nagaji
4211 Waialae Ave #8080 - Honolulu, HI 96816 - (808) 735-2841 - View Map

2024 N King St #101b - Honolulu, HI 96819 - (808) 842-5844 - View Map

More Honolulu agents

Independent Agents (or Brokers)

Independent agents are not employed by any specific company and that gives them the ability to insure with lots of companies and find the cheapest auto insurance rates. If your agent finds better pricing, your agent can switch companies and that require little work on your part. When searching for an agent, you will want to get quotes from a few independent agents for the best price selection.

The following is a list of independent insurance agencies in Honolulu that can give you price quote information.

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

250 Ward Ave #220 - Honolulu, HI 96814 - (808) 626-5068 - View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map

More Honolulu agents

Once you have positive responses for all questions you ask and a good coverage price, you have narrowed it down to an insurance agency that will service your policy. Just remember you can cancel coverage whenever you choose to so never feel you are locked into any particular company for the entire policy term.

Can switching companies really save?

Hawaii consumers can't escape the ads that claim the best car insurance rates by State Farm, GEICO and Progressive. All the ads make the point that drivers will save a bundle if you switch your coverage.

How can each company say the same thing? This is how they do it.

Most companies give the cheapest rates for the right customer that makes them money. An example of a profitable insured may need to be between the ages of 30 and 45, insures multiple vehicles, and has a short commute. A propective insured who fits those characteristics will get the preferred rates in Honolulu and will save if they switch.

People who don't qualify for those standards may be required to pay a higher premium with the end result being the customer buying from someone else. If you listen closely, the ads state "customers who switch" not "everyone that quotes" save that much when switching. This is how companies can make it sound like they have such great prices. Because each company has a different risk profile, it is so important to get as many free Honolulu auto insurance quotes as possible. You cannot predict which insurance companies will have the lowest premium rates for your situation.

Quote. Compare. Save.

While you're price shopping online, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed full coverage only to regret that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

Some companies don't offer rates over the internet and these small insurance companies prefer to sell through local independent agents. Cheaper Porsche Panamera insurance in Honolulu can be sourced online and with local Honolulu insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

More information can be read at these links: