If you're new to shopping for Honolulu car insurance quotes online, there's a good chance you are bewildered due to the large selection local agents and online companies offering coverage in Honolulu.

Insurance for Honda CR-VIt's astonishing, but a large majority of consumers have bought auto insurance from the same company for at least four years, and approximately 40% of consumers have never quoted rates to find cheap coverage. Honolulu drivers could save roughly $356 a year just by getting comparison quotes, but most undervalue the large savings they would see if they switched to a more affordable policy.

You should make it a habit to do rate comparisons before your next renewal since insurance prices change frequently. Despite the fact that you may have had the best rates on Honda CR-V insurance in Honolulu a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because you're about to find out the fastest way to properly buy coverages while reducing your premium.

Keep in mind that comparing all the rates in your area helps locate more affordable insurance. Some insurance companies are not set up to provide price estimates online, so you should also compare rates from them, too.

The following companies are ready to provide price quotes in Hawaii. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Honda CR-V Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $106 $202 $292 $18 $88 $706 $59
CR-V EX 2WD $172 $278 $230 $14 $68 $762 $64
CR-V LX 4WD $138 $236 $212 $12 $64 $662 $55
CR-V EX 4WD $196 $332 $254 $16 $76 $874 $73
CR-V EX-L 2WD $196 $348 $254 $16 $76 $890 $74
CR-V EX-L 4WD $190 $228 $294 $18 $88 $818 $68
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in vehicle garaging location which can affect prices significantly.

Honda CR-V annual premiums for males versus females

The information below shows the difference between Honda CR-V premium costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

Three good reasons to insure your CR-V

Despite the fact that insurance is not cheap in Honolulu, buying insurance serves a purpose in several ways.

The benefits of buying insurance definitely exceed the price paid, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $855 a year so it's important to compare rates each time the policy renews to help ensure money is not being wasted.

Advertising myths

Big name companies like Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. All the ads state the claim about savings if you move your policy. How is it possible that every company can give you a lower rate on Honda CR-V insurance in Honolulu? This is the trick they use.

All the different companies have underwriting criteria for the type of customer that will add to their bottom line. An example of a preferred risk should be over the age of 35, is a homeowner, and has a short commute. Anybody who fits those characteristics will get a cheap rate quote in Honolulu and have a good chance to cut their rates substantially.

Consumers who are not a match for these stringent criteria will get a more expensive rate which leads to the driver buying from a lower-cost company. The wording the ads use say "drivers who switch" but not "everyone who gets a quote" can save as much as they claim. This is how insurance companies can make the claims of big savings.

Each company has different criteria, so it's extremely important to compare free Honolulu car insurance quotes often. Because you cannot predict the company that will provide the lowest Honda CR-V insurance in Honolulu.

Cheaper Honolulu car insurance rates with discounts

Car insurance can cost a lot, but you may qualify for discounts to help bring down the price. Some of these discounts will be visible at the time of quoting, but occasionally some discounts must be specifically requested before they will apply. If they aren't giving you every credit you deserve, you're just leaving money on the table.Discount car insurance

It's important to note that some credits don't apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, nobody gets a free ride. But all discounts will help reduce the amount you pay for coverage.

A list of car insurance companies and a summarized list of policyholder discounts are included below.

If you are trying to find cheaper Honolulu car insurance quotes, ask each company what discounts are available to you. Some of the discounts discussed earlier may not apply to policyholders in Honolulu. For a list of companies with the best discounts in Hawaii, click here.

Local Honolulu insurance agencies

Many drivers would rather buy from a local agent and that is OK! A good thing about comparing auto insurance online is the fact that drivers can get the lowest rates and still have a local agent. Buying insurance from neighborhood agents is important especially in Honolulu.

Find insurance agent in HonoluluBy using this form (opens in new window), your insurance data is transmitted to companies in Honolulu that can give you free Honolulu car insurance quotes for your business. There is no need to contact any insurance agencies because prices are sent straight to your inbox. You'll get the best rates without the usual hassles of price shopping. If you have a need to get a price quote from a specific insurance company, you would need to search and find their rate quote page and give them your coverage information.

Choosing the best insurance company should depend on more than just a low price. Any agent in Honolulu should be forthright in answering these questions:

Upon receiving positive responses to all your questions as well as offering an affordable quote, you may have just found an insurance company that meets your needs to provide auto insurance coverage. But keep in mind you can always terminate coverage any time you want so don't feel that you are obligated to the auto insurance policy for the entire policy term.

A conclusion for your car insurance search

As you prepare to switch companies, it's very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at the best price, but don't skip important coverages to save money.

We covered many ways to get a better price on Honda CR-V insurance in Honolulu. The most important thing to understand is the more rate quotes you have, the higher your chance of finding affordable Honda CR-V insurance quotes. Drivers may even discover the best price on car insurance is with a lesser-known regional company.

People change insurance companies for a number of reasons such as poor customer service, an unsatisfactory settlement offer, not issuing a premium refund and even high rates after DUI convictions. It doesn't matter what your reason, finding a new company is actually quite simple.

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