Insurance quote for Honda Accord in HonoluluHaving to pay for high-priced Honda Accord insurance in Honolulu can draw down your family's budget and require stricter spending habits. Shopping your coverage around is recommended to tighten up your finances.

Sadly, a large majority of drivers kept their coverage with the same insurance company for at least four years, and nearly 40% of drivers have never compared insurance rates at all. Honolulu drivers could save 40% each year just by comparing rates, but they just feel it's too hard to shop around.

Lots of insurance companies contend for your insurance dollar, so it's not easy to compare every company to find the absolute best rates possible on Honda Accord insurance in Honolulu.

Compare Honda Accord insurance rates

To find the best insurance quotes, there are several ways to compare rate quotes from different companies. The easiest way by far to find competitive Honda Accord insurance rates is to perform an online rate comparison.

Doing price comparisons online is so simple that it takes the place of having to actually drive to each insurance agency near you. The ability to quote Honda Accord insurance online makes this unnecessary unless you require the trained advice that can only be provided by a licensed insurance agent. You can, however, comparison shop online and get advice from an agent in your area. When quoting insurance, remember that comparing a large number of companies increases your odds of finding the best offered rates. Some companies don't provide Honolulu Accord insurance quotes over the internet, so you need to compare price quotes from them as well.

The companies shown below are ready to provide price comparisons in Honolulu, HI. If more than one company is shown, we recommend you visit as many as you can in order to find the cheapest rates.

Honda Accord Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $132 $210 $232 $14 $70 $658 $55
Accord LX 4-Dr Sedan $138 $240 $216 $12 $64 $670 $56
Accord EX 4-Dr Sedan $194 $388 $272 $16 $82 $952 $79
Accord LX-P 4-Dr Sedan $190 $382 $292 $18 $88 $970 $81
Accord LX-P 4-Dr Sedan $138 $240 $216 $12 $64 $670 $56
Accord EX-L 4-Dr Sedan $186 $318 $232 $14 $70 $820 $68
Accord EX 2-Dr Coupe $252 $596 $404 $24 $120 $1,396 $116
Accord LX-S 2-Dr Coupe $176 $398 $314 $18 $94 $1,000 $83
Accord EX-L 2-Dr Coupe $144 $272 $282 $16 $84 $798 $67
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates considerably.

Higher deductibles save money

One frequently asked question is at what level do you set your deductibles. The following insurance rates sum up how much more you'll pay when you select higher and lower deductibles. The first data table uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Honda Accord insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord EX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX-P 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX-P 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord EX-L 4-Dr Sedan $204 $344 $226 $14 $68 $881 $73
Accord EX 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
Accord LX-S 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
Accord EX-L 2-Dr Coupe $230 $406 $300 $18 $90 $1,069 $89
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Honda Accord insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord EX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX-P 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX-P 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord EX-L 4-Dr Sedan $166 $278 $226 $14 $68 $752 $63
Accord EX 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Accord LX-S 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Accord EX-L 2-Dr Coupe $188 $328 $300 $18 $90 $924 $77
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in specific garaging location which can raise or lower prices noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $10 more each month or $120 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 25 months between claims, you would more than likely save some money if you opt for a higher deductible. The illustration below shows the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $74
Average monthly premium for $500 deductibles (subtract): - $64
Monthly savings from raising deductible: $10
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important note is that a higher deductible results in a higher out-of-pocket expense when you do file a claim. That will necessitate some funds available in order to pay the deductible to have repairs made.

Discounts mean cheaper rates for Honda Accord insurance in Honolulu

Companies that sell car insurance don't always advertise every disount available in an easy-to-find place, so the following list contains some of the more common and also the more inconspicuous credits available to lower your premiums when you buy Honolulu car insurance online. If you check and find you aren't receiving every discount possible, it's possible you qualify for a lower rate.Insurance discounts

Discounts lower rates, but most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, you won't be that lucky.

Some of the larger companies that have these money-saving discounts include:

Before you buy a policy, ask every insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in Honolulu. For a list of companies with the best Honda Accord insurance discounts in Hawaii, follow this link.

How Your Accord Insurance Premiums are Determined

Many different elements are used when premium rates are determined. Most are fairly basic such as your driving record, but other factors are less obvious like your vehicle usage or your commute time.

Getting quotes from local Honolulu insurance agents

Some people would prefer to sit down and talk to an agent and doing so can bring peace of mind An additional benefit of comparing auto insurance online is that you can find cheap auto insurance rates and still have a local agent. And providing support for local agents is important particularly in Honolulu.

Insurance agents in HonoluluTo help locate an agent, after submitting this quick form, your insurance coverage information is transmitted to insurance agents in Honolulu that can give you free Honolulu car insurance quotes for your business. You don't have to even leave your home due to the fact that quote results will go to you instantly. It's the lowest rates without the usual hassles of price shopping. If you have a need to quote rates from a specific insurance company, don't hesitate to find their quoting web page and fill out their quote form.

If you're trying to find a good insurance agency, it's important to understand the different types of agencies and how they can quote your rates. Auto insurance agents in Honolulu are considered either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agencies

Agents in the independent channel often have many company appointments and that gives them the ability to insure through lots of different companies and get you the best rates possible. If they find a cheaper price, the agent simply finds a different carrier which makes it simple for you.

When comparing auto insurance prices, you will definitely want to compare prices from a few independent agents so that you can do a thorough price comparison.

Below is a list of independent insurance agencies in Honolulu that may be able to provide price quote information.

1022 Bethel St - Honolulu, HI 96813 - (808) 643-4000 - View Map

819 S Beretania St - Honolulu, HI 96813 - (808) 539-1600 - View Map

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

More Honolulu agents

Exclusive Agents

These agents work for only one company such as State Farm, Allstate and AAA. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates.

Shown below are exclusive insurance agencies in Honolulu willing to provide rate quotes.

1016 Kapahulu Ave #250 - Honolulu, HI 96816 - (808) 734-3265 - View Map

Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd - Honolulu, HI 96813 - (808) 533-2444 - View Map

600 Kapiolani Blvd #210 - Honolulu, HI 96813 - (808) 599-7666 - View Map

More Honolulu agents

Finding a good auto insurance agent should include more criteria than just a cheap quote. Before buying a policy in Honolulu, get answers to these questions.

Can you really save $419 a year?

Big name companies like Allstate and Progressive continually stream television, radio, and online ads. They all make the same claim that drivers can save some big amount if you switch your policy. How do they all offer you a better deal on Honda Accord insurance in Honolulu? It's all in the wording.

Many companies have strict underwriting profiles for the driver that will generate a profit. A good example of this type of risk profile might be described as between the ages of 30 and 45, has never had a claim, and has great credit. Anyone who matches those parameters will get a cheap rate quote in Honolulu and will probably save when switching.

Potential customers who cannot meet those standards will be charged a higher rate which translates to the customer buying from a different company. If you pay attention, the ads say "people that switch" not "all people who quote" save that much. This is how insurance companies can confidently claim big savings.

Because each company has a different risk profile, you really should compare many company's premium rates. It is impossible to predict the company that will have the best car insurance rates at this point in time.

Don't give up on cheaper coverage

Cheaper insurance in Honolulu can be found online as well as from insurance agents, so you need to shop Honolulu car insurance with both to have the best selection. A few companies may not provide internet price quotes and many times these small, regional companies only sell coverage through independent insurance agents.

When getting Honolulu car insurance quotes online, it's a bad idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at a price you can afford, but don't skip important coverages to save money.

Throughout this article, we presented some good ideas how to lower your Honda Accord insurance rates in Honolulu. It's most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. Consumers may even find the biggest savings come from a small mutual company. These companies often have lower car insurance rates on specific markets than their larger competitors like Progressive or GEICO.

More detailed insurance information is located in the articles below: