Discount Chrysler Town and Country insuranceWould you like an easy way to compare low-cost auto insurance rates in Honolulu, HI? Honolulu buyers have a choice when searching for the lowest priced Chrysler Town and Country insurance. They can either spend hours calling around to compare prices or use the internet to make rate comparisons.

There are more efficient ways to compare auto insurance rates so we're going to tell you the proper way to compare rates for a new or used Chrysler and find the lowest price from both online companies and Honolulu agents.

Remarkably, a study showed that a large majority of drivers kept their policy with the same company for a minimum of four years, and almost 40% of drivers have never compared rates with other companies. Many consumers in Honolulu could save an average of up to 40% each year by just comparing rate quotes, but they assume it's a waste of time to compare rates online.

It's important to check auto insurance prices quite often because prices go up and down regularly. Even if you got the best price on Chrysler Town and Country insurance in Honolulu at your last renewal other companies may now be cheaper. Ignore everything you know about auto insurance because you're about to find out one of the best ways to reduce your cost while improving coverage.

If you have coverage now or just want cheaper coverage, use these techniques to cut your premiums without reducing coverage. These techniques will introduce you to the best way to quote coverages and also pocket some savings Drivers just have to use the quickest method to shop their coverage around online.

Compare Honolulu Chrysler Town and Country insurance quotes online

All the larger car insurance companies allow consumers to get prices on the web. Getting online rates for Chrysler Town and Country insurance in Honolulu is quite easy as you simply type in your required coverages into the form. After the form is submitted, the system orders reports for credit and driving violations and generates a price based on these factors.

Getting online price quotes for Chrysler Town and Country insurance in Honolulu makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you want to get a better rate.

To find out how much you're overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it's recommended you duplicate coverages and limits exactly as shown on your declarations page. This guarantees you will get an apples-to-apples comparison for similar coverage.

The providers in the list below have been selected to offer price comparisons in Honolulu, HI. If multiple companies are listed, we suggest you get rates from several of them to find the cheapest car insurance rates.

Chrysler Town and Country Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $220 $332 $230 $14 $68 $864 $72
Town and Country Touring $252 $474 $272 $16 $82 $1,096 $91
Town and Country Signature $182 $272 $230 $14 $68 $766 $64
Town and Country Touring Plus $162 $272 $236 $14 $70 $754 $63
Town and Country Limited $286 $500 $304 $18 $90 $1,198 $100
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in zip code location which can revise premium rates significantly.

Physical damage deductibles: Should you raise them?

The illustration below highlights how deductible selection and can change Chrysler Town and Country insurance premiums for different age groups. The data is based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Physical damage deductibles

One of the most common car insurance questions is how high should the physical damage deductibles be. The comparisons below show the rate difference when you choose different deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Chrysler Town and Country insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $204 $284 $226 $14 $68 $821 $68
Town and Country Touring $230 $344 $226 $14 $68 $907 $76
Town and Country Signature $230 $344 $226 $14 $68 $907 $76
Town and Country Touring Plus $230 $344 $226 $14 $68 $907 $76
Town and Country Limited $258 $406 $226 $14 $68 $997 $83
Get Your Own Custom Quote Go
Chrysler Town and Country insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $126 $178 $226 $14 $68 $612 $51
Town and Country Touring $142 $216 $226 $14 $68 $666 $56
Town and Country Signature $142 $216 $226 $14 $68 $666 $56
Town and Country Touring Plus $142 $216 $226 $14 $68 $666 $56
Town and Country Limited $158 $256 $226 $14 $68 $722 $60
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in Honolulu location which can affect coverage rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $20 more each month or $240 annually than choosing the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 38 months between claims, you would probably come out ahead by going with a higher deductible.

Lower-cost Honolulu auto insurance quotes with discounts

Some insurance providers don't list their entire list of discounts in a way that's easy to find, so the below list has both the well known as well as some of the hidden auto insurance savings.Cheaper auto insurance with discounts

Discounts lower rates, but most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that it's possible to get free car insurance, it's just not the way it works. Any amount of discount will cut the premium cost.

Companies that may have these money-saving discounts include:

When getting a coverage quote, ask all the companies the best way to save money. All car insurance discounts might not be offered in Honolulu.

Get Lower-cost Insurance with These Tips

Lots of things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other criteria are not as apparent like your continuous coverage or how safe your car is.

Insurance agents near you

Certain consumers just want to buy from a local agent and often times that is recommended Experienced insurance agents can answer important questions and help in the event of a claim. One of the great benefits of getting free rate quotes online is the fact that you can find better rates and still choose a local agent. And buying from local agencies is important particularly in Honolulu.

Find insurance agent in HonoluluTo help locate an agent, after submitting this simple form, your insurance data is sent to local insurance agents that can provide free Honolulu auto insurance quotes for your business. It simplifies rate comparisons since you won't have to leave your house because prices are sent directly to your email. If you need to quote rates for a specific company, you just need to visit that company's website and fill out the quote form the provide.

If you would like to find an insurance agent, there are two types of agencies and how they are slightly different. Car insurance policy providers are considered either independent or exclusive depending on the company they work for. Either type can properly insure your vehicles, but it's important to point out how they differ because it can impact which agent you choose.

Independent Car Insurance Agencies

Independent agents are not employed by any specific company and that enables them to quote your coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and you stay with the same agent.

If you need lower rates, we recommend you get insurance quotes from multiple independent agents for maximum quote selection. Most independent agents also contract with smaller companies that may provide cheaper car insurance rates.

Featured below is a small list of independent insurance agents in Honolulu that may be able to give cheap rate quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive agencies have only one company to place business with and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide other company's prices so they really need to provide good service. Exclusive agents are very knowledgeable on their company's products which aids in selling service over price. Consumers sometimes use the same agent partially due to the brand rather than low rates.

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

More insurance agents

Picking a auto insurance agent should include more criteria than just the quoted price. These are some valid questions you should ask.

Big names are not always cheapest

Hawaii consumers can't avoid all the ads that promise big savings by Allstate, GEICO and Progressive. All the ads make the same claim that you can save if you move your auto insurance policy to them.

How can each company make the same claim? This is the trick they use.

All the different companies offer their best rates for the type of driver that will be a good risk. An example of this type of risk profile may need to be a mature driver, has no prior claims, and has excellent credit. Any customer who matches that profile is entitled to the best price and as a result will probably cut their rates substantially.

People who fall outside this stringent profile will be charged a more expensive rate and ends up with the prospect going elsewhere. If you listen closely, the ads state "drivers who switch" not "everybody who quotes" save the amount stated. That is how insurance companies can confidently advertise the savings.

Because each company has a different risk profile, it's extremely important to quote coverage with many companies. It is impossible to predict with any certainty which company will fit you best based on your risk profile.

Insurance savings summarized

You just learned many tips how you can reduce Chrysler Town and Country insurance prices online in Honolulu. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the biggest savings come from an unexpected company.

Some insurance providers may not have online price quotes and most of the time these smaller companies work with independent agents. More affordable insurance in Honolulu is available from both online companies and from local agencies, so you should compare both to have the best selection.

Consumers who switch companies do it for a number of reasons such as poor customer service, delays in paying claims, policy non-renewal or even delays in responding to claim requests. No matter why you want to switch, finding the right insurance provider is not as difficult as it may seem.

Much more information about insurance in Hawaii can be found at these links: