Would you like to stop overpaying and find low-cost insurance rates in Honolulu, HI? Honolulu consumers have many options when looking for the lowest priced Land Rover Range Rover insurance. You can either waste hours driving around getting price quotes or utilize the internet to get rate quotes. There is a right way and a wrong way to buy insurance so you're going to learn the absolute fastest way to quote coverages for a Land Rover and obtain the cheapest rates.
How Your Range Rover Insurance Rates are Determined
Lots of factors are part of the equation when you get your auto insurance bill. Some are obvious like an MVR report, although some other factors are less apparent like your vehicle usage or your commute time.
- Vehicle options that lower premiums - Purchasing a vehicle with advanced anti-theft systems can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.
- Cheaper rates with high coverage deductibles - The deductibles are the amount of money you are required to spend before your auto insurance pays a claim. Protection for physical damage, aka comp and collision, protects your car from damage. Examples of some claims that would be covered would be a windshield broken by a bird, hail damage, or theft of your vehicle. The more damage repair cost the insured is willing to pay, the lower your rates will be.
- Gender and insurance coverage premiums - The statistics show that females take fewer risks when driving. However, don't assume that women are better drivers. They both tend to get into auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Not only that, but men also receive more major tickets like reckless driving and DUI.
- You may save more by combining policies - Most major auto insurance companies give a discount to people who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even though this discount sounds good, consumers should still compare Land Rover Range Rover rates in Honolulu to make sure you are getting the best deal.
- Responsible credit equals lower premiums - Having a good credit history can be an important factor in your rate calculation. Insureds with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit history leaves room for improvement, you could be paying less to insure your Land Rover Range Rover by improving your rating.
- Poor driving habits means higher rates - Your driving citation history has a lot to do with how much you pay for insurance. Even a single ticket may increase your cost by twenty percent. Careful drivers receive lower rates than bad drivers. People who have serious violations like reckless driving or DUI may need to submit a SR-22 form to the state department of motor vehicles in order to legally drive.
- Urban residents pay more - Choosing to live in less populated areas may provide you with better prices if you are looking for the lowest rates. Drivers in populated areas tend to have much more traffic and higher rates of accident claims. Fewer drivers means reduced accidents and a lower car theft rate.
- Land Rover Range Rover historical loss data - Insurance companies use past loss statistics for each vehicle when they set coverage costs for each model. Vehicles that the data shows to have high amounts or severity of claims will cost more for specific coverages. The table below illustrates the historical insurance loss data for Land Rover Range Rover vehicles.
For each coverage category, the claim amount for all vehicles, as a total average, equals 100. Numbers shown that are under 100 are indicative of better than average losses, while numbers shown that are more than 100 point to more frequent losses or a tendency for claims to be larger.
Land Rover Range Rover Insurance Loss Statistics
Specific Land Rover Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Land Rover Range Rover Evoque 2dr 4WD 159 Land Rover Range Rover Evoque 4dr 4WD 143 139 127 75 73 120 Land Rover Range Rover 4dr 4WD 169 116 332 34 104 Land Rover Range Rover 4dr LWB 4WD 223 397 Land Rover Range Rover Sport 4dr 4WD 166 103 252 47 46 88
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
The quickest way to compare policy rates for Land Rover Range Rover insurance in Honolulu is to understand most larger insurance companies provide online access to give rate comparisons. The one thing you need to do is provide information including your occupation, how much you drive, whether or not you need a SR-22, and coverage limits. The rating information is automatically sent to insurance companies and they return quotes immediately.
If you would like to compare rates now, click here and see if a lower rate is available in Honolulu.
The auto insurance companies shown below can provide free quotes in Honolulu, HI. If more than one company is shown, it's highly recommended you get price quotes from several of them to find the most competitive auto insurance rates.
Advertising and insurance
Consumers can't get away from ads that claim the cheapest premium rates from companies such as Allstate and Progressive. They all have a common claim that people will save if you get a free Honolulu car insurance quote and switch your policy.
That's great but how can every company have lower policy pricing? Here is the trick they use.
Most companies require specific criteria for the type of customer that earns them a profit. A good example of a profitable insured might have to be a female over age 40, has no driving citations, and drives a car with an anti-theft system. Anyone who matches that profile gets the lowest premium rates and will also save when switching.
Insureds who do not match these criteria will be charged a higher rate and this results in the prospect going elsewhere. If you pay close attention to the ads, they say "customers that switch" but not "all drivers who get quotes" can get the lowest rates when switching. That's why companies can truthfully make claims like that. This illustrates why drivers must get Honolulu car insurance quotes from several different companies. It's just too difficult to predict which company will have the lowest Land Rover Range Rover insurance in Honolulu.
Auto insurance does more than just repair your car
Despite the fact that auto insurance is not cheap in Honolulu, insuring your vehicle is required in Hawaii but also provides important benefits.
- The majority of states have minimum mandated liability insurance limits which means state laws require specific limits of liability protection in order to be legal. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Range Rover, it's most likely the lender will require that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the lender may insure your Land Rover at a more expensive rate and require you to fork over the higher price.
- Insurance safeguards both your car and your personal assets. It will also provide coverage for medical transport and hospital expenses incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If you have damage to your Land Rover as the result of the weather or an accident, your policy will pay to repair the damage.
The benefits of having auto insurance definitely exceed the price paid, especially when you need to use it. An average driver in America overpays more than $855 a year so compare quotes from several companies each time the policy renews to be sure current rates are still competitive.
Get cheaper Land Rover Range Rover insurance in Honolulu with discounts
Companies offering auto insurance don't list every discount in an easy-to-find place, so the below list has both the well known and also the more inconspicuous auto insurance savings.
- Anti-lock Brakes - Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and earn discounts up to 10%.
- New Vehicle Savings - Insuring a vehicle that is new can save you some money due to better safety requirements for newer models.
- Theft Deterrent System - Cars with anti-theft systems can help prevent theft and earn discounts up to 10% off your Honolulu car insurance quote.
- Defensive Driver Discount - Taking time to complete a course in defensive driving could cut 5% off your bill and easily pay for the cost of the class.
- Multi-line Discount - Larger auto insurance companies have a discounted rate on car insurance if you buy auto and life insurance together.
- Good Grades Discount - Getting good grades may save you up to 25%. Many companies even apply the discount to college students up to age 25.
- Driver's Ed - It's a good idea to have your young drivers take driver's ed class in school or through a local driver safety program.
- Active Military Service - Being on active duty in the military could qualify you for better prices.
- Early Renewal Discounts - Select insurance companies give a discount for buying a policy prior to your current Range Rover insurance policy expiring. It could save around 10% when you buy Honolulu car insurance online.
- College Student - Children who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
Discounts lower rates, but most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it's possible to get free car insurance, nobody gets a free ride. Any qualifying discounts will reduce your premiums.
Companies that may have some of the above discounts include:
It's a good idea to ask each insurance company which discounts they offer. Some of the discounts discussed earlier might not be offered everywhere.
Auto insurance agents can help
Some people prefer to sit down and talk to an agent and doing so can bring peace of mind Good agents can make sure you are properly covered and give you someone to call. One of the benefits of comparing car insurance online is that you can find better rates and still choose a local agent.
After filling out this form (opens in new window), your information is transmitted to insurance agents in Honolulu who want to provide quotes for your coverage. It's much easier because you don't need to find an agent because quoted prices will be sent immediately to your email address. If you need to quote rates from a specific company, just find their quoting web page to submit a rate quote request.
Choosing an insurer needs to be determined by more than just a low price. These are some valid questions you should ask.
- Are there any discounts for paying up front?
- Is the coverage adequate for your vehicle?
- Can they provide you with a list of referrals?
- Do the companies they represent have a solid financial rating?
- Are aftermarket or OEM parts used to repair vehicles?
If you're trying to find a good insurance agency, it can be helpful to understand the different types of agencies and how they function. Car insurance agents are considered either independent or exclusive. Either can sell affordable car insurance policies, but it's important to point out how they differ since it can impact the selection process.
Exclusive Insurance Agencies
Exclusive insurance agents are contracted to one company such as Allstate and State Farm. Exclusive agents cannot compare other company's rates so you might not find the best rates. They are very knowledgeable on what they offer which helps them sell on service rather than price. Consumers often purchase coverage from exclusives partially due to the brand legacy instead of buying on price only.
Shown below is a short list of exclusive agents in Honolulu that are able to give price quote information.
- Farmers Insurance Hawaii
Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd - Honolulu, HI 96813 - (808) 533-2444 - View Map
- Allstate Insurance: Boyd Kauhane
1682 Kalakaua Ave #1 - Honolulu, HI 96826 - (808) 638-3673 - View Map
- Doug Kam-Young - State Farm Insurance Agent
2841 Kaonawai Pl - Honolulu, HI 96822 - (808) 988-7011 - View Map
Independent Agencies or Brokers
These agents are not restricted to one company so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. If premiums increase, they simply switch companies in-house and you can keep the same agent.
When comparison shopping, you absolutely need to get insurance quotes from several independent agencies to get the best comparison. Most can insure with smaller companies who may have lower rates.
Listed below is a list of independent agents in Honolulu that are able to give rate quotes.
- John H Connors Insurance
500 Ala Moana Blvd # 2303 - Honolulu, HI 96813 - (808) 534-7300 - View Map
- Atlas Insurance
1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map
- Cavanah Associates, Inc.
1100 Alakea St #2600 - Honolulu, HI 96813 - (808) 537-1970 - View Map
After getting answers to your satisfaction to your questions and a low price estimate, you've probably found a car insurance agent that will properly service your car insurance policy.
Don't give up on affordable coverage
When you buy Honolulu car insurance online, don't be tempted to skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your goal should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.
Consumers change insurance companies for many reasons like not issuing a premium refund, policy non-renewal, delays in responding to claim requests or even an unsatisfactory settlement offer. It doesn't matter why you want to switch switching companies is easier than you think.
Some insurance companies do not offer the ability to get quotes online and most of the time these small insurance companies work with independent agents. Cost effective Land Rover Range Rover insurance can be sourced both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection.
Additional insurance information is available below:
- Red Light Cameras (State Farm)
- Who Has the Cheapest Car Insurance for a Ford Edge in Hawaii? (FAQ)
- Who Has Affordable Car Insurance for 19 Year Olds in Hawaii? (FAQ)
- Who Has the Cheapest Car Insurance for a Toyota Tundra in Hawaii? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)