Want to know how to find lower-priced Toyota Land Cruiser insurance in Honolulu? If you are new to getting Honolulu car insurance quotes online, there's a good chance you are confused by the confusing number of online car insurance companies and websites vying for business in Honolulu.

Insurance quote for Toyota Land Cruiser in HonoluluRemarkably, a study showed that most drivers in Hawaii renewed their policy with the same company for at least four years, and 38% of drivers have never compared quotes from other companies. The average driver in the U.S. could cut their rates by up to $860 a year, but they just assume it takes a lot of time to compare rates online.

Keep in mind that obtaining a wide range of quotes increases the chance that you will find more affordable insurance.

The companies in the list below have been selected to offer free rate quotes in Hawaii. If multiple providers are shown, we suggest you visit as many as you can to find the most competitive auto insurance rates.

Toyota Land Cruiser Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $296 $650 $300 $18 $90 $1,354 $113
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in specific zip code location which can decrease or increase prices significantly.

Car insurance deductibles

One of the most common car insurance questions is the level to set your comp and collision deductibles. The premium rates below can help you visualize how much more you'll pay between low and high coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Toyota Land Cruiser insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $346 $632 $264 $16 $80 $1,363 $114
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Toyota Land Cruiser insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $252 $426 $264 $16 $80 $1,038 $87
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific location information which can increase or decrease insurance rates noticeably.

Based on this data, using a $100 deductible will cost you roughly $27 more each month or $324 each year than buying the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 15 months between claim filings, you would save money if you decide on a higher deductible.

Deductible comparison

The information below shows how choosing a deductible and can influence Toyota Land Cruiser insurance premiums for different age groups. The rates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Three good reasons to insure your Land Cruiser

Despite the high cost of buying insurance for a Toyota Land Cruiser in Honolulu, insuring your vehicle is required for several reasons.

The benefits of having insurance definitely exceed the cost, specifically if you ever have a liability claim. But the average driver in Hawaii is wasting up to $850 per year so shop around at every policy renewal to help ensure money is not being wasted.

Auto insurance rates and discounts

Not many people think insurance is cheap, but you can get discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be asked about before you get the savings.Discount auto insurance

Remember that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, that's just not realistic.

A few of the larger companies and some of their more popular discounts are:

If you need the cheapest Toyota Land Cruiser rate quotes, ask every insurance company what discounts are available to you. Some of the discounts discussed earlier may not be available in your area. To see a list of auto insurance companies who offer discounts in Hawaii, click this link.

Independent versus exclusive car insurance agents

Many people still like to visit with an insurance agent and that is OK! The biggest benefit of comparing insurance prices online is the fact that you can find the best rates and still have a local agent. And buying from local agencies is especially important in Honolulu.

Find insurance agent in HonoluluUpon completion of this short form, your insurance data gets sent to local insurance agents who will give competitive quotes and help you find cheaper coverage. There is no need to find an agent because quoted prices will be sent instantly to you. Get lower rates and a licensed agent to work with. If you have a need to get a price quote from a specific company, just go to their quote page and fill out their quote form.

If you are wanting to find a reliable agent, it can be helpful to understand the types of insurance agents and how they can write your policy. Insurance agencies may be either independent or exclusive depending on the company they work for.

Independent Insurance Agencies

Agents of this type can sell policies from many different companies so they can write business with many different companies and find you cheaper rates. If premiums increase, your agent can switch companies and you don't have to find a new agent.

If you are trying to find cheaper rates, you will definitely want to contact independent agents in order to have the best price comparison. Most have the option of insuring with lesser-known insurance companies who may have lower rates.

The following are independent agencies in Honolulu that can give you price quote information.

More Honolulu agents

Exclusive Insurance Agencies

These agents generally can only insure with one company like Allstate, State Farm and Farmers Insurance. They are unable to provide other company's prices so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on what they offer which aids in selling service over price. Drivers often buy from the same agent for years mostly because of the brand rather than having low rates.

The following are Honolulu exclusive agents that are able to give price quote information.

More Honolulu agents

Finding a good insurance agent requires you to look at more than just the premium amount. Agents should be asked these questions:

If you get answers to your satisfaction for all questions you ask and a good coverage price, you may have just found a car insurance agent that can be trusted to properly insure your vehicles.

Everyone needs different auto insurance coverages

When it comes to choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's situation is unique.Auto insurance savings

These are some specific questions might point out whether or not you would benefit from professional advice.

If you're not sure about those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages explained

Having a good grasp of auto insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a deer and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers - This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Toyota Land Cruiser.

Since a lot of drivers carry very low liability coverage limits (20/40/10 in Hawaii), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are identical to your policy's liability coverage.

Medical expense insurance - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage - Collision coverage covers damage to your Land Cruiser caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, hitting a mailbox, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your Land Cruiser in order to get cheaper collision rates.

Coverage for liability - Liability coverage protects you from damage or injury you incur to other's property or people that is your fault. This coverage protects you against claims from other people, and doesn't cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 20/40/10 that means you have a $20,000 limit per person for injuries, a limit of $40,000 in injury protection per accident, and $10,000 of coverage for damaged property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as attorney fees, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Hawaii requires minimum liability limits of 20/40/10 but it's recommended drivers buy more coverage.

Final considerations

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are many occasions where an insured cut uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the lowest possible cost while still protecting your assets.

More affordable insurance in Honolulu can be found from both online companies and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide rate quotes online and these small insurance companies sell through independent insurance agents.

People change insurance companies for many reasons like extreme rates for teen drivers, policy cancellation, unfair underwriting practices and even lack of trust in their agent. Regardless of your reason, finding a great new company is easier than you think.

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