How many times have you said it's time to compare more competitive Ford Explorer insurance in Honolulu? Did a good deal turn out to be an overpriced auto insurance policy? Say no more because there are lots of people in the same boat.

Insurance quote for Ford Explorer in HonoluluAmazingly, a recent study showed that the majority of drivers have stayed with the same insurance company for over three years, and 38% of drivers have never compared quotes from other companies. American drivers could save an average of nearly $850 each year just by comparing rates, but they don't want to take the time to go online and compare rates. Big companies like Progressive, State Farm and GEICO continually bombard you with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

You should make it a habit to do rate comparisons every six months because auto insurance prices are usually higher with each renewal. Just because you had the best rates on Ford Explorer insurance in Honolulu a few years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the things you must know in order to find better coverage on Ford Explorer insurance in Honolulu at a better price.

Save money on Ford Explorer insurance in Honolulu with these auto insurance discounts

Some insurers don't list every disount available in a way that's easy to find, so the list below contains some of the best known and the more hidden discounts you could be receiving when you buy Honolulu auto insurance online.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, it doesn't quite work that way. Any amount of discount will lower your policy premiums.

A few popular companies and some of their more popular discounts are detailed below.

Before purchasing a policy, check with each insurance company how many discounts you can get. Some of the discounts discussed earlier might not apply in your area.

How to get low cost Ford Explorer insurance in Honolulu, Hawaii

Reducing your insurance rates is surprisingly easy. You just have to take the time comparing free Honolulu auto insurance quotes from different insurance companies.

Comparing quotes online is fast and free, and it makes it obsolete to spend time driving to different Honolulu agent offices. The fact that you can get quotes online can eliminate the need for a local agent unless you're the type of person who wants the personal advice that only a licensed agent can provide. Drivers can price shop online but buy from a local insurance agent.

The providers in the list below are our best choices to provide free rate quotes in Hawaii. If several companies are displayed, we suggest you click on several of them to get a more complete price comparison.

Ford Explorer Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $160 $258 $344 $20 $104 $886 $74
Explorer Eddie Bauer 2WD $122 $174 $270 $16 $80 $662 $55
Explorer XLT 4WD $196 $348 $300 $18 $90 $952 $79
Explorer XLT AWD $98 $152 $254 $16 $76 $596 $50
Explorer Eddie Bauer 4WD $200 $350 $254 $16 $76 $896 $75
Explorer Eddie Bauer AWD $122 $224 $300 $18 $90 $754 $63
Explorer Limited 2WD $170 $256 $272 $16 $82 $796 $66
Explorer Limited 4WD $122 $212 $300 $18 $90 $742 $62
Explorer Limited AWD $234 $378 $272 $16 $82 $982 $82
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in garaging location in Honolulu which can change prices noticeably.

Analysis of deductible levels

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The comparison tables below summarize the differences in price of buying low and high coverage deductibles. The first set of rates uses a $100 deductible and the second pricing table uses a $1,000 deductible.

Ford Explorer insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $228 $338 $264 $16 $80 $951 $79
Explorer Eddie Bauer 2WD $228 $338 $264 $16 $80 $951 $79
Explorer XLT 4WD $228 $338 $264 $16 $80 $951 $79
Explorer XLT AWD $228 $338 $264 $16 $80 $951 $79
Explorer Eddie Bauer 4WD $258 $412 $264 $16 $80 $1,055 $88
Explorer Eddie Bauer AWD $258 $412 $264 $16 $80 $1,055 $88
Explorer Limited 2WD $258 $412 $264 $16 $80 $1,055 $88
Explorer Limited 4WD $258 $412 $264 $16 $80 $1,055 $88
Explorer Limited AWD $258 $412 $264 $16 $80 $1,055 $88
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Ford Explorer insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $126 $178 $264 $16 $80 $664 $55
Explorer Eddie Bauer 2WD $126 $178 $264 $16 $80 $664 $55
Explorer XLT 4WD $126 $178 $264 $16 $80 $664 $55
Explorer XLT AWD $126 $178 $264 $16 $80 $664 $55
Explorer Eddie Bauer 4WD $142 $216 $264 $16 $80 $718 $60
Explorer Eddie Bauer AWD $142 $216 $264 $16 $80 $718 $60
Explorer Limited 2WD $142 $216 $264 $16 $80 $718 $60
Explorer Limited 4WD $142 $216 $264 $16 $80 $718 $60
Explorer Limited AWD $142 $216 $264 $16 $80 $718 $60
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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 multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in Honolulu location which can influence price quotes considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $26 more each month or $312 a year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 35 months between claim filings, you would save more money if you decide on a higher deductible.

Comparison of full coverage and liability-only policies

The illustration below illustrates the difference between Ford Explorer auto insurance rates with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving citations, $1,000 deductibles, married male driver, and no discounts are factored in.

When to drop comprehensive and collision

There is no definitive guideline to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's pretend your Ford Explorer replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after you pay the deductible. If you are paying in excess of $700 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some conditions where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Educated Choices Result in Lower Insurance Costs

When buying insurance it's important to understand the different types of things that come into play when calculating the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that may result in big savings.

The itemized list below are some of the most rate-impacting factors companies use to determine your premiums.

Where you live is a factor - Choosing to live in small towns and rural areas is a positive aspect when buying insurance. Less people means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities have to deal with congested traffic and more time behind the wheel. Higher commute times means a statistically higher chance of an accident.

Lower prices with no policy lapses - Driving without insurance coverage in place is not a good idea and insurance companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you a steep fine or even jail time.

Do you have enough liability insurance? - The liability section of your policy will afford coverage in the event that you are found liable for causing personal injury or damage in an accident. It will provide legal defense to defend your case. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Rates can drop if you have more than one policy - Most major insurers afford lower prices to people that purchase more than one policy in the form of a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you're getting this discount it's in your best interest to compare Ford Explorer rates in Honolulu to guarantee you are still saving the most.There is a good possibility that you can save even more than the discount by buying insurance from more than one company.

Do you know your physical damage deductibles? - Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Ford. Some coverage claims could be a dented fender, damage from fire, and burglary. Your deductibles define the amount you are willing to pay in the event of a claim. The more money the insured has to pay upfront, the lower your rates will be.

Are males or females drivers cheaper? - Over the last 30 years, statistics show that women are safer drivers than men. This data doesn't prove that females are better at driving than males. Females and males cause auto accidents in similar numbers, but guys cause more damage. Not only are claims higher, but men get more serious tickets such as reckless driving.

Advanced GPS tracking and theft deterrents - Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder vehicle theft.

Avoid tickets and save - Your driving record influences premium rates substantially. Even one speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Drivers with clean records pay less for auto insurance as compared to those with violations. People who have dangerous citations like reckless driving or DUI may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to keep their license.

Loss probability for a Ford Explorer - Insurers factor in historical loss data when they file their rates in each state. Vehicles that the data determines to have higher losses will cost more for coverage. The table below shows the historical loss data for Ford Explorer vehicles.

For each coverage type, the claim probability for all vehicles averaged together is represented as 100. Values under 100 suggest losses that are better than average, while numbers above 100 indicate a higher chance of having a claim or tendency to have larger claims.

Ford Explorer Insurance Claim Statistics

Specific Ford Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Explorer 4dr 2WD 80 90 79 75 70 82
Ford Explorer 4dr 4WD 94 94 97 75 70 85

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Special considerations

Always remember that when buying the best insurance coverage for your vehicles, there really isn't a one-size-fits-all type of policy. Your situation is unique so your insurance should reflect that For example, these questions could help you determine whether your personal situation would benefit from professional advice.

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

When should I contact an insurance agency?

A lot of people prefer to go talk to an agent and that can be a smart move Agents will help you protect your assets and help file insurance claims. A good thing about price shopping on the web is you can get lower rates and still choose a local agent. Buying insurance from local agencies is definitely important in Honolulu.

Insurance agents in HonoluluTo find an agent, once you fill out this quick form, the quote information is immediately sent to insurance agents in Honolulu that can provide free Honolulu auto insurance quotes for your insurance coverage. There is no reason to find an agent on your own as quotes are delivered instantly to you. If you need to get a comparison quote from a particular provider, you just need to search and find their rate quote page to submit a rate quote request.

When finding a local Honolulu insurance agent, it's helpful to know the different types of agencies and how they can write your policy. Insurance agents in Honolulu are considered either exclusive or independent. Either one can do a good job, but it's worth learning the difference in the companies they write for since it can affect your selection of an agent.

Independent Insurance Agencies

These agents are not restricted to one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparing rate quotes, you will definitely want to get several quotes from a few independent agents so that you have a good selection of quotes to compare.

The following are Honolulu independent insurance agencies who can help you get cheap rate quotes.

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

1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map

1100 Alakea St #2600 - Honolulu, HI 96813 - (808) 537-1970 - View Map

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Exclusive Agents

Exclusive insurance agents work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. These agents are well schooled on what they offer which helps them sell on service rather than price.

Shown below is a short list of exclusive agencies in Honolulu who can help you get price quotes.

931 University Ave Ste 108 - Honolulu, HI 96826 - (808) 944-1854 - View Map

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

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

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Choosing the best auto insurance agent requires you to look at more than just the bottom line cost. Ask your prospective agent these questions:

Why you need quality insurance for your Ford vehicle

Despite the high cost of buying insurance for a Ford Explorer in Honolulu, paying for car insurance is required for several reasons.

First, just about all states have minimum liability requirements which means state laws require a specific level of liability protection if you drive a vehicle. 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 you bought your vehicle with a loan, almost every bank will force you to have full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Ford at a significantly higher premium and require you to fork over a much higher amount than you were paying before.

Third, car insurance protects your car and your assets. It also can pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If your Ford gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of buying enough insurance more than offset the price you pay, specifically if you ever have a liability claim. But the average American driver is overpaying more than $810 a year so it's recommended you shop around once a year at a minimum to be sure current rates are still competitive.

You can lower your auto insurance rates

Affordable Ford Explorer insurance in Honolulu is definitely available both online in addition to many Honolulu insurance agents, so you need to shop Honolulu auto insurance with both in order to have the best chance of saving money. Some insurance companies do not offer internet price quotes and these smaller companies only sell coverage through independent agencies.

We've covered some good ideas how to find cheap Ford Explorer insurance in Honolulu. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the biggest savings come from an unexpected company. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

As you prepare to switch companies, don't be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed uninsured motorist or liability limits only to find out that it was a big mistake. Your strategy should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

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