Insurance for Hyundai AccentPaying for pricey Hyundai Accent insurance in Honolulu can diminish your accounts and possibly require postponing other expenditures. Shopping your coverage around is an excellent way to make ends meet.

A recent survey discovered that most Hawaii car insurance customers have stayed with the same insurance company for at least four years, and almost 40% of drivers have never shopped around. Many drivers in America can save hundreds of dollars each year, but they just assume it's a time-consuming process to compare rates and save money.

Numerous insurers battle to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rate on Hyundai Accent insurance in Honolulu.

If you are already insured, you stand a good chance to be able to buy cheaper car insurance using these techniques. Buying the cheapest car insurance in Honolulu is really not that difficult. But Hawaii vehicle owners need to learn the way insurance companies calculate your car insurance rates because it can help you find the best coverage.

Most larger insurance companies like State Farm and Allstate provide prices on their websites. Doing online quotes for Hyundai Accent insurance in Honolulu can be done by anyone as all you need to do is type in your coverage information into a form. After the form is submitted, their quoting system gets your credit score and driving record and generates a price based on these factors. Getting online rates for Hyundai Accent insurance in Honolulu makes it easy to compare insurance prices and it is imperative to perform this step if you are searching for a better rate.

To find out how much you can save on insurance, take a look at the companies shown below. If you have your current policy handy, we recommend you enter the coverages as close as possible to your current policy. This way, you will be getting an apples-to-apples comparison based on the exact same insurance coverage.

The following companies are our best choices to provide comparison quotes in Honolulu, HI. If the list has multiple companies, it's highly recommended you click on several of them in order to get a fair rate comparison.

Hyundai Accent Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $146 $332 $236 $14 $70 $798 $67
Accent GS 2-Dr Hatchback $226 $412 $294 $18 $88 $1,038 $87
Accent GLS 4-Dr Sedan $172 $458 $388 $24 $116 $1,158 $97
Accent SE 2-Dr Hatchback $122 $288 $230 $14 $68 $722 $60
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific location information which can raise or lower rates substantially.

Policy deductibles

One of the most common car insurance questions is which comprehensive and collision deductibles to buy. The rates below outline the costs and benefits between high and low coverage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Hyundai Accent insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $152 $284 $226 $14 $68 $769 $64
Accent GS 2-Dr Hatchback $178 $344 $226 $14 $68 $855 $71
Accent GLS 4-Dr Sedan $178 $406 $300 $18 $90 $1,017 $85
Accent SE 2-Dr Hatchback $204 $468 $226 $14 $68 $1,005 $84
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Hyundai Accent insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accent Blue 2-Dr Hatchback $124 $228 $226 $14 $68 $660 $55
Accent GS 2-Dr Hatchback $144 $278 $226 $14 $68 $730 $61
Accent GLS 4-Dr Sedan $144 $328 $300 $18 $90 $880 $73
Accent SE 2-Dr Hatchback $166 $378 $226 $14 $68 $852 $71
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in vehicle garaging location which can alter premiums noticeably.

Based on these figures, using a $250 deductible will cost in the ballpark of $11 more each month or $132 a year than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 23 months between claim filings, you would probably be better off if you opt for a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $76
Average monthly premium for $500 deductibles (subtract): - $65
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Higher deductibles save money

The information below illustrates how your deductible choice and can change Hyundai Accent insurance prices for each different age category. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Why car insurance is not optional

Even though it can be expensive, buying car insurance is mandatory in Hawaii but it also protects more than you think.

The benefits of insuring your car more than offset the price you pay, especially if you ever need it. As of last year, the average driver in Hawaii overpays more than $865 each year so compare rates every year to save money.

Learn How to Lower Your Insurance Rates

Part of the auto insurance buying process is learning the rating factors that come into play when calculating your policy premiums. If you understand what controls the rates you pay, this enables you to make decisions that will entitle you to lower premium levels.

The following are some of the items used by companies to determine your premiums.

Cheaper Honolulu insurance quotes with discounts

Companies do not advertise all available discounts very well, so here is a list some of the more common and the more hidden discounts that you can inquire about if you buy Honolulu auto insurance online.Save money with discounts

Discounts reduce rates, but you should keep in mind that some credits don't apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

A list of insurance companies and the discounts they provide are outlined below.

When getting free Honolulu auto insurance quotes, it's a good idea to each company or agent what discounts are available to you. A few discounts might not be offered everywhere. To choose insurers that offer discounts in Hawaii, click here to view.

Local neighborhood insurance agents

Some consumers would prefer to talk to an insurance agent and that is not a bad decision One of the best bonuses of getting online price quotes is that drivers can save money and get cheaper premium rates but also keep your business local. Buying insurance from local agencies is still important in Honolulu.

Upon completion of this simple form, your insurance data is emailed to agents in your area that can give you free Honolulu auto insurance quotes and help you find cheaper coverage. You never need to find an agent as quotes are delivered instantly to you. You'll get the best rates and a licensed agent to work with. If you need to compare prices for a specific company, you would need to go to their quote page and fill out the quote form the provide.

Compare rates from both independent and exclusive car insurance agents

If you prefer to buy auto insurance from a reputable agency, there are a couple of types of insurance agents and how they work. Auto insurance agencies may be either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agents (or Brokers)

Agents of this type do not work for one specific company so they can insure your vehicles through lots of different companies and find the cheapest rate. If you want to switch companies, they simply move the coverage in-house and you don't have to switch agencies.

If you are comparing auto insurance prices, you will want to get rate quotes from several independent agencies for maximum quote selection.

The following is a short list of independent agents in Honolulu who may be able to give you pricing information.

420 Waiakamilo Rd - Honolulu, HI 96817 - (808) 527-7667 - View Map

250 Ward Ave #220 - Honolulu, HI 96814 - (808) 626-5068 - View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map

More Honolulu agents

Exclusive Agents

Agents that elect to be exclusive have only one company to place business with and some examples include Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agencies are well trained on the products they sell which helps them sell on service rather than price.

Below is a short list of exclusive insurance agents in Honolulu who can help you get comparison quotes.

1221 Kapiolani Blvd #1015 - Honolulu, HI 96814 - (808) 593-9288 - View Map

1313 S Beretania St #100 - Honolulu, HI 96814 - (808) 593-8221 - View Map

1259 S Beretania St Ste 1 - Honolulu, HI 96814 - (808) 593-8844 - View Map

More Honolulu agents

Choosing an insurance agent shouldn't rely on just the price. Ask your prospective agent these questions:

After getting positive responses to all your questions as well as offering an affordable quote, chances are good that you have found an insurance agent that will insure your vehicles.

Quote often and quote early

In this article, we covered some good ideas how to lower your Hyundai Accent insurance rates in Honolulu. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the biggest savings come from an unexpected company. Regional companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

Some insurance companies do not offer online rate quotes and these smaller providers only sell coverage through local independent agents. Affordable Hyundai Accent insurance in Honolulu is attainable from both online companies and also from your neighborhood Honolulu agents, and you need to price shop both in order to have the best chance of saving money.

Additional information is located on the following sites: