Insurance quote for Honda Insight in HonoluluHow long has it been since you compared quotes for more affordable Honda Insight insurance in Honolulu? Having to pay for expensive Honda Insight insurance in Honolulu can deplete your personal savings and possibly require you to analyze your spending habits. Doing a rate analysis is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

A recent study showed that almost 70% of insureds kept their policy with the same company for a minimum of four years, and just short of a majority have never quoted auto insurance rates at all. Honolulu insurance shoppers can save hundreds of dollars each year by just comparing rate quotes, but they just feel it's too hard to compare rates and save money. Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest price on Honda Insight insurance in Honolulu.

You need to take a look at other company's rates quite often since insurance prices go up and down regularly. Just because you found the lowest price on Honda Insight insurance in Honolulu two years ago there is a good chance you can find better rate quotes now. There is too much inaccurate information about Insight insurance on the web, but in a few minutes you can learn some excellent ideas to save money.

If you're already insured or just want to reduce your rates, use these money-saving tips to reduce the price you pay and still get good coverage. Finding affordable auto insurance coverage in Honolulu seems hard but is not really that difficult. Shoppers only have to learn the tricks to find the lowest price on the web.

Getting a more affordable price on insurance is not a difficult process. You just need to take the time comparing free Honolulu auto insurance quotes from online providers.

Comparing free price quotes online is easy and it, replaces the need to drive around to each insurance agency near you. Comparing Honda Insight insurance rate quotes online eliminates the middleman unless you prefer the trained advice that can only be provided by a licensed insurance agent. However, consumers can find lower rates online but have your policy serviced through an agent.

The following companies provide price comparisons in Honolulu, HI. If more than one company is shown, it's a good idea that you compare several of them in order to find the most affordable rates.

Honda Insight Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $220 $506 $358 $22 $106 $1,212 $101
Insight EX $176 $398 $300 $18 $90 $982 $82
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in garaging location in Honolulu which can change prices substantially.

Physical damage deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The rates below can help show how much more rates are when you select higher and lower physical damage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Honda Insight insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $178 $344 $264 $16 $80 $907 $76
Insight EX $204 $406 $264 $16 $80 $995 $83
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Honda Insight insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $110 $216 $264 $16 $80 $686 $57
Insight EX $126 $256 $264 $16 $80 $742 $62
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in Honolulu location which can impact prices noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $20 more each month or $240 annually than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 38 months between claim filings, you would more than likely save some money if you elect the higher deductible. The table below shows how this determination is made.

Average monthly premium for $250 deductibles: $80
Average monthly premium for $1,000 deductibles (subtract): - $60
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One important caveat is that a higher deductible results in a higher out-of-pocket expense when you have a comprehensive or collision claim. That will require a higher level of savings in the event you have to pay the deductible to have repairs made.

Discounts for cheap insurance quotes

Buying insurance is not cheap, but companies offer discounts that can help lower your rates. Many discounts should be triggered when you complete an application, but less common discounts must be asked for prior to receiving the credit. If you check and find you aren't receiving every discount available, you could be paying more than you need to.Save money with discounts

You should keep in mind that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like all the discounts add up to a free policy, insurance companies aren't that generous.

Insurance companies that may offer many of the previously listed discounts include:

When getting free Honolulu auto insurance quotes, it's a good idea to every company which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in every state. To locate providers with discount rates in Honolulu, click here.

You Can Change Your Insurance Prices

Many factors are considered when you get your auto insurance bill. Most are fairly basic such as traffic violations, but others are not quite as obvious such as your credit history or how safe your car is. Smart consumers have a good feel for the different types of things that are used to determine your insurance rates. If you have some idea of what influences your rates, this enables informed choices that can earn you big savings.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your premiums.

Bad drivers pay high premiums - Even a single speeding ticket could increase your next policy renewal to the point where it's not affordable. Drivers with clean records get better prices than their less careful counterparts. Drivers who have received license-revoking violations like DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.

Big cities mean more claims - Choosing to live in less populated areas of the country may provide you with better prices when insuring your vehicles. City drivers tend to have congested traffic and more time behind the wheel. Less people living in that area translates into fewer accidents and lower theft and vandalism rates.

What are your physical damage deductibles? - Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and having your car stolen. Comprehensive and collision coverage deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. The more you choose to pay out-of-pocket, the less your company will charge you for insurance.

Younger drivers are expensive to insure - Inexperience drivers are statistically shown to be inattentive when behind the wheel and because of this, their insurance rates are much higher. Older drivers are more cautious drivers, cost insurance companies less in claims, and get fewer tickets.

Advanced alarm systems - Choosing to buy a car with a theft deterrent system can help lower your premiums. Systems that thwart thieves like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.

Insurance claims cost money - Companies in Hawaii provide lower rates to drivers who only file infrequent claims. If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is designed for larger claims.

Discounts for married couples - Having a spouse helps lower the price when shopping for insurance. Having a spouse translates into being more stable financially and insurance companies reward insureds because drivers who are married are more cautious.

Type of vehicle determines base rates - The type of vehicle you are insuring makes a significant difference in your car insurance bill. Due to the fact that the Honda Insight falls in the passenger car class, rates will be similar in price or lower than the average rate where you live in Honolulu. Economy passenger cars generally have the cheapest insurance rates, but there are many factors that impact the final cost.

Local neighborhood agents and insurance

Many people would rather sit down with an agent and that is just fine! Good agents are highly skilled in risk management and help in the event of a claim. One of the benefits of price shopping on the web is the fact that drivers can get lower rates and still have a local agent. And buying from local insurance agents is important especially in Honolulu.

Honolulu insurance agentsTo find an agent, once you fill out this simple form, the quote information is sent to local insurance agents that can give you free Honolulu auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to leave your house since rate quotes are delivered to your email. If you want to get a rate quote from a specific company, you can always search and find their rate quote page and submit a quote form there.

Below is a short list of insurers in Honolulu that may be willing to give price quotes for Honda Insight insurance in Honolulu.

1682 Kalakaua Ave #1 - Honolulu, HI 96826 - (808) 638-3673 - View Map

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

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

575 Cooke St d - Honolulu, HI 96813 - (808) 596-8333 - View Map

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Deciding on an insurer should include more criteria than just the price. Any agent in Honolulu should be willing to answer these questions.

Do I need special coverages?

When selecting the best insurance coverage, there isn't really a one-size-fits-all type of policy. You are unique.Insurance savings

Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Buyer beware of insurance advertising tricks

Consumers in Hawaii can't avoid all the ads that claim the lowest rates by companies like Progressive, Allstate and GEICO. They all advertise the message about how much you will save if you move your policy.

How can each company give you a lower rate on Honda Insight insurance in Honolulu? This is the way they can do it.

Different companies quote their cheapest rates for the type of driver that will generate a profit. One example of this type of risk profile may need to be over the age of 35, has other policies, and drives a vehicle with a low ISO rating. Any new insured who fits those characteristics is entitled to the best price and is almost guaranteed to save some money.

Consumers who are not a match for the "perfect" profile will have to pay a more expensive rate and this can result in the customer buying from a different company. The ads say "customers that switch" not "everybody who quotes" can get the lowest rates when switching. That's the way insurance companies can confidently advertise the savings.

Each company has different criteria, so drivers must get Honolulu auto insurance quotes from several different companies. It's not possible to predict which insurance company will fit you best based on your risk profile.

One last thing to lower rates

Some insurance companies don't offer online quoting and these regional insurance providers work with local independent agencies. More affordable insurance in Honolulu can be found both online as well as from independent agents in Honolulu, and you should compare rates from both to get a complete price analysis.

We covered a lot of techniques to lower your Honda Insight insurance premium rates in Honolulu. It's most important to understand that the more price quotes you have, the better likelihood of getting inexpensive Honolulu auto insurance quotes. You may even be surprised to find that the best premium rates are with an unexpected company.

As you go through the steps to switch your coverage, don't be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price, but do not skimp to save money.

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