Do you want to stop overpaying and find low-cost GMC Sierra insurance in Honolulu? Finding the cheapest insurance for a GMC Sierra in Hawaii can turn out to be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are more efficient ways to buy insurance and we'll show you the best way to price shop coverage for your GMC and obtain the cheapest rates from both online companies and Honolulu agents.
You should make it a habit to shop coverage around as often as possible because prices tend to go up over time. Even if you think you had the best rate on GMC Sierra insurance in Honolulu six months ago there may be better deals available now. Forget anything you know (or think you know) about insurance because we're going to show you the proper way to reduce your cost while increasing coverage.
Cheap companies for GMC Sierra insurance in Hawaii
The providers in the list below can provide price quotes in Hawaii. If multiple companies are shown, it's a good idea that you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$228||$412||$264||$16||$80||$1,000||$83|
|Sierra SL Extended Cab 2WD||$126||$216||$264||$16||$80||$702||$59|
|Sierra SLE Crew Cab 2WD||$228||$412||$264||$16||$80||$1,000||$83|
|Sierra SL Crew Cab 2WD||$198||$398||$278||$16||$84||$974||$81|
|Sierra SLE Crew Cab 2WD||$122||$250||$278||$16||$84||$750||$63|
|Sierra SLE Regular Cab 4WD||$162||$320||$300||$18||$90||$890||$74|
|Sierra SLE Extended Cab 4WD||$110||$212||$248||$14||$74||$658||$55|
|Sierra SLE Crew Cab 4WD||$286||$596||$358||$22||$106||$1,368||$114|
|Sierra SLT Extended Cab 2WD||$146||$278||$254||$16||$76||$770||$64|
|Sierra SL Crew Cab 4WD||$200||$412||$254||$16||$76||$958||$80|
|Sierra SLT Extended Cab 4WD||$226||$468||$320||$18||$96||$1,128||$94|
|Sierra SLT Crew Cab 2WD||$146||$278||$254||$16||$76||$770||$64|
|Sierra SLT Crew Cab 4WD||$154||$288||$270||$16||$80||$808||$67|
|Sierra Denali Crew Cab 2WD||$278||$546||$270||$16||$80||$1,190||$99|
|Sierra Denali Crew Cab 4WD||$190||$346||$272||$16||$82||$906||$76|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in garaging location in Honolulu which can revise rates substantially.
The chart below shows how different deductible levels and can influence GMC Sierra annual premium costs for each age group. The costs are based on a married male driver, comp and collision included, and no policy discounts are applied.
How careless driving impacts car insurance rates
The chart below demonstrates how traffic citations and accident claims can raise GMC Sierra yearly insurance costs for each different age group. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Auto insurance discounts help lower rates for GMC Sierra insurance in Honolulu
Some insurers do not list all discounts very well, so the following list contains both the well known and the more hidden discounts that may be available.
- Paper-free Discount - Many companies will provide an incentive shop Honolulu car insurance on your computer.
- Discount for Multiple Policies - If you can combine your auto and home policy and insure them with the same company you may save 10% to 20% off each policy.
- College Student Discount - Any of your kids who live away from home at college and leave their car at home may be insured at a cheaper rate.
- Low Mileage - Low mileage vehicles can qualify you for lower prices due to less chance of an accident.
- Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% but check with your company.
- Homeowners Savings - Just owning your own home can help you save on auto insurance because owning a home shows financial diligence.
- Use Seat Belts - Using a seat belt and requiring all passengers to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
- Defensive Driver Discount - Passing a driver safety course may get you a small discount if you qualify.
Just know that most of the big mark downs will not be given to the whole policy. Most cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn't stay in business. But all discounts should help reduce your policy premiums.
For a list of companies who offer auto insurance discounts in Hawaii, click this link.
Do I just need basic coverages?
When quoting and choosing coverage for your personal vehicles, there is no one size fits all plan. Every insured's situation is different.
For example, these questions could help you determine if your situation would benefit from an agent's advice.
- Who sells insurance for high-risk drivers?
- Which companies are cheaper for teen drivers?
- Who is covered by my policy?
- What is UM/UIM insurance?
- What are good deductibles for a GMC Sierra?
- Do I need PIP (personal injury protection) coverage in Hawaii?
If it's difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.
When to get advice from an insurance agency
Many people still prefer to sit down and talk to an agent and there is nothing wrong with that. Professional insurance agents can help you choose the best coverages and will help you if you have claims. A good thing about comparing insurance prices online is you may find the best rates but still work with a licensed agent.
To help locate an agent, after submitting this quick form, the coverage information is transmitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies as quotes are delivered to you. If you need to get a rate quote from a specific insurance provider, feel free to search and find their rate quote page and complete a quote there.
Selecting an provider requires more thought than just a cheap price quote. These are valid questions to ask:
- Is working in the agency their full-time job?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will they take your side in the event of a claim?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is the agent properly licensed in Hawaii?
- How are they compensated?
If you prefer to buy insurance from a local agent, it's helpful to know the different types of agents that you can choose from. Insurance agents can be categorized as either exclusive agents or independent agents. Either one can sell insurance policies, but it is important to understand the difference between them because it may have an impact on the type of agent you choose.
Exclusive Insurance Agencies
These agents can only write with one company and some examples include State Farm, Allstate and AAA. They are unable to place coverage with different providers so they have no alternatives for high prices. These agents are very knowledgeable on what they offer which helps them compete with independent agents. Consumers often purchase coverage from exclusives mainly due to the brand name rather than having the cheapest rates.
Listed below are exclusive agencies in Honolulu who can help you get price quotes.
- Jef Saragena - State Farm Insurance Agent
677 Ala Moana Blvd Ste 310 - Honolulu, HI 96813 - (808) 951-0866 - View Map
- Dee Ann Lee - State Farm Insurance Agent
600 Kapiolani Blvd #210 - Honolulu, HI 96813 - (808) 599-7666 - View Map
- Tina Tay - State Farm Insurance Agent
3615 Harding Ave Ste 303 - Honolulu, HI 96816 - (808) 394-5433 - View Map
Agents that choose to be independent do not sell for just one brand so they can quote policies with an assortment of companies and get the cheapest rates. If your agent finds better pricing, they simply switch companies in-house and you don't have to do anything.
If you need lower rates, you will want to include price quotes from several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller companies which may provide better rates.
Below are independent insurance agents in Honolulu that can give you comparison quotes.
- Anita Butay Diniega
1088 Bishop St #2210 - Honolulu, HI 96813 - (808) 841-5915 - View Map
- Atlas Insurance
1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map
- Rosten Y Tsuha Insurance Agency Inc
1350 S King St #303 - Honolulu, HI 96814 - (808) 591-5545 - View Map
If you receive positive feedback to all your questions as well as an affordable premium quote, you may have just found an auto insurance agent that is a good match to properly service your insurance policy. Just remember it's your policy and you can cancel coverage whenever you choose to so don't feel that you're stuck with any specific company for a certain time period.
Auto insurance myths debunked
Consumers in Hawaii constantly see and hear ads that claim the cheapest rates by companies like Progressive, Allstate and GEICO. All the ads convey the message about saving some big amount if you just switch your coverage.
How does each company claim to save you money? Here is the trick they use.
Insurance companies can use profiling for a prospective insured that will most likely be profitable. An example of this type of driver might be over the age of 45, insures multiple vehicles, and drives a vehicle with a low ISO rating. A propective insured that matches those criteria will qualify for the lowest prices in Honolulu and will most likely cut their rates substantially.
Consumers who cannot meet this ideal profile may receive higher premium rates which leads to the customer buying from a different company. If you pay attention, the ads say "drivers who switch" but not "everyone who gets a quote" save that much money. That is how insurance companies can make claims like that. Because every company is different, it's extremely important to compare free Honolulu car insurance quotes often. It's not possible to predict which insurance companies will fit you best based on your risk profile.
Lower rates by being persistent
Cheaper GMC Sierra insurance in Honolulu can be found online and from local insurance agents, so you need to shop Honolulu car insurance with both to have the best selection. Some insurance companies may not offer price quotes online and most of the time these small, regional companies only sell through independent insurance agencies.
In this article, we covered some good ideas how to reduce GMC Sierra insurance car insurance rates online in Honolulu. It's most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the best car insurance rates are with a small mutual company.
When getting Honolulu car insurance quotes online, make sure you don't sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage to discover at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.
Additional detailed information can be read in the articles below:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Rates for Low Credit Scores in Hawaii? (FAQ)
- Who Has Affordable Hawaii Car Insurance After a Speeding Ticket? (FAQ)
- What is the Cheapest Auto Insurance in Royal Kunia, Hawaii? (FAQ)
- What Auto Insurance is Cheapest for Nurses in Hawaii? (FAQ)
- How Much is Auto Insurance for a 20 Year Old Male in Hawaii? (FAQ)
- How Much is Auto Insurance for a Nissan Sentra in Hawaii? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)