Wish you could get out of overpriced Jeep Compass insurance in Honolulu? You're in good company because there are a lot of people in Honolulu just like you who feel imprisoned by their auto insurance policy.
Shockingly, the vast majority of auto insurance customers renewed their policy with the same company for at least four years, and approximately 38% of consumers have never even shopped around for cheaper coverage. With the average premium in Hawaii being $962, drivers can save hundreds of dollars each year just by getting comparison quotes, but they just feel it's too hard to shop around. Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest cost out there.
The most recommended method to compare policy rates for Jeep Compass insurance in Honolulu is to understand most larger insurance companies will pay a fee to give you rate quotes. To start a quote, the only thing you need to do is provide a small amount of information such as deductibles desired, whether you are married, how much education you have, and whether your vehicle is owned or leased. Your details is instantly sent to insurance companies and they return cost estimate quickly.
To start a rate quote now, click here and complete the quick form.
The companies shown below are ready to provide quotes in Honolulu, HI. If the list has multiple companies, it's a good idea that you get rates from several of them to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Compass Sport 2WD||$160||$280||$358||$22||$106||$926||$77|
|Compass Sport 4WD||$140||$266||$358||$22||$106||$892||$74|
|Compass Limited 2WD||$208||$378||$272||$16||$82||$956||$80|
|Compass Limited 4WD||$128||$230||$248||$14||$74||$694||$58|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific location which can increase or decrease premium rates considerably.
Analysis of deductible levels
The diagram below illustrates how your choice of deductibles and can increase or decrease Jeep Compass insurance prices for each age group. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
You may qualify for discounts for Jeep Compass insurance in Honolulu
Some companies do not list the entire discount list in a way that's easy to find, so we researched some of the more common in addition to some of the lesser obvious credits available to bring down your rates.
- Life Insurance - Not all insurance companies offer life insurance, but some may give you a lower price if you buy some life insurance in addition to your auto policy.
- Professional Organizations - Joining qualifying employment or professional organizations could qualify you for a break on your next car insurance statement.
- Low Mileage - Maintaining low annual mileage can earn discounted rates on garaged vehicles.
- Defensive Driving Course - Passing a class that teaches driver safety techniques could cut 5% off your bill if you qualify.
- Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
- Drive Safe and Save - Drivers who avoid accidents can pay as much as 50% less than their less cautious counterparts.
- Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
- Honolulu Homeowners Discount - Being a homeowner can earn you a little savings because owning a home demonstrates responsibility.
- ABS and Traction Control Discounts - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more on Compass insurance in Honolulu.
It's important to understand that most discount credits are not given to the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won't be that lucky. But all discounts should help reduce the premium cost.
Some of the larger companies that have these benefits are:
Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Some discounts may not apply to policies in Honolulu. To find providers that offer multiple discounts in Hawaii, click here.
Local insurance agents
Certain consumers still like to sit down with an agent and that is OK! Most agents can help you choose the best coverages and help in the event of a claim. An additional benefit of comparing auto insurance online is you may find cheap rate quotes and still have a local agent. Buying from and supporting neighborhood insurance agencies is definitely important in Honolulu.
To make it easy to find an agent, after completing this simple form, your insurance data is emailed to participating agents in Honolulu that can provide free Honolulu car insurance quotes for your business. You never need to contact an agency since rate quotes are delivered to the email address you provide. If you need to get a rate quote from a specific insurance company, just search and find their rate quote page and complete a quote there.
If you prefer to buy auto insurance from an insurance agent, there are a couple of different types of agencies and how they are slightly different. Agents in Honolulu are either exclusive or independent. Both can handle auto insurance, but it's good to learn the difference in the companies they write for because it can impact which agent you choose.
Independent Auto Insurance Agencies
Agents of this type are not locked into one company so they can write business with an assortment of companies and find you cheaper rates. If prices rise, your agent can just switch to a different company and you don't have to switch agencies.
If you need cheaper auto insurance rates, we recommend you compare prices from a few independent agents so that you have a good selection of quotes to compare.
Featured below are Honolulu independent insurance agents that may be able to provide free price quotes.
Exclusive Auto Insurance Agencies
These type of agents work for only one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to give you multiple price quotes so it's a take it or leave it situation. Exclusive agents are well schooled in insurance sales which aids in selling service over price.
Listed below are exclusive agencies in Honolulu that can give you price quotes.
Finding the right auto insurance agent needs to be determined by more than just the quoted price. Agents should be asked these questions:
- Can you get a list of referrals?
- How is replacement cost determined on your vehicle?
- Does the agent recommend any additional coverage?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the company allow you to choose your own collision repair facility?
- Do they prorate repair cost based on vehicle mileage?
When do I need an agent's advice?
When choosing coverage for your personal vehicles, there really isn't a one-size-fits-all type of policy. Every insured's situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine whether or not you may require specific advice.
- Who is covered by my policy?
- Does coverage extend to my business vehicle?
- What policy terms are available?
- Am I covered when driving a rental car?
- Am I covered if my car is in a flood?
- Do I have coverage when pulling a U-Haul trailer?
- Is a new car covered when I drive it off the dealer lot?
- Does my policy cover me when driving someone else's vehicle?
If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.
Three good reasons to insure your Jeep Compass
Even though Honolulu Compass insurance rates can get expensive, maintaining insurance is required for several reasons.
First, most states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to license the vehicle. 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.
Second, if you took out a loan on your Jeep Compass, almost every bank will make it mandatory that you have full coverage to guarantee payment of the loan. If the policy lapses, the lender may insure your Jeep for a much higher rate and require you to fork over the higher price.
Third, insurance protects not only your car but also your financial assets. It will also provide coverage for medical transport and hospital expenses that are the result of an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If your Jeep gets damaged, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your car more than offset the price you pay, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $869 every year so compare rates at least once a year to make sure the price is not too high.
Parts of your car insurance policy
Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from car insurance companies.
Coverage for liability
Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 20/40/10 which means $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and property damage coverage for $10,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims like attorney fees, emergency aid, medical expenses and court costs. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Hawaii state minimum liability requirements are 20/40/10 but it's recommended drivers buy more coverage.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage and fire damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.
Collision coverage protection
Collision insurance pays for damage to your Compass resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as backing into a parked car, crashing into a building, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to choose a higher deductible on your Compass to save money on collision insurance.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like ambulance fees, chiropractic care, X-ray expenses, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Jeep Compass.
Because many people only carry the minimum required liability limits (which is 20/40/10), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.
You can find affordable coverage
There are still a few companies who may not provide online price quotes and usually these regional insurance providers provide coverage only through independent agents. Affordable Jeep Compass insurance in Honolulu can be purchased both online in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money.
Throughout this article, we presented many tips how you can find lower-cost Jeep Compass insurance in Honolulu. The key concept to understand is the more times you quote, the better chance you'll have of finding affordable Jeep Compass insurance quotes. Consumers may even find the lowest auto insurance rates are with an unexpected company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.
Additional car insurance information is located at the links below
- What is Full Coverage? (Allstate)
- Which Company has the Cheapest Auto Insurance in Ewa Gentry, Hawaii? (FAQ)
- Who Has Cheap Car Insurance Rates with Multiple Speeding Tickets in Hawaii? (FAQ)
- Who Has Affordable Hawaii Car Insurance for Electric Cars? (FAQ)
- What Auto Insurance is Cheapest for Nurses in Hawaii? (FAQ)
- How Much is Auto Insurance for Teenage Males in Hawaii? (FAQ)
- How Much is Auto Insurance for a Nissan Sentra in Hawaii? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)