Insurance quote for Kia Optima in HonoluluHaving to pay for pricey insurance in Honolulu can take a big chunk out of your savings account and possibly require postponing other expenditures. Price shopping at each renewal is a great way to tighten up your finances.

Shocking but true, a large majority of drivers have bought insurance from the same company for a minimum of four years, and nearly half have never compared quotes from other companies. With the average insurance premium being $962, Hawaii drivers could save an average of as much as $356 each year by just shopping around, but they just don't want to save money by comparing rate quotes. Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a provider to get the best rates possible on Kia Optima insurance in Honolulu.

Companies offering Kia Optima insurance in Hawaii

The companies in the list below offer comparison quotes in Hawaii. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.

Kia Optima Insurance Price Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $98 $180 $282 $16 $84 $660 $55
Optima EX $146 $278 $288 $16 $86 $814 $68
Optima SX $182 $320 $306 $18 $92 $918 $77
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in zip code location which can influence premium rates greatly.

Should you buy full coverage?

The chart below illustrates the comparison of Kia Optima insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. The premium estimates are based on a clean driving record, no claims, $100 deductibles, married female driver, and no discounts are factored in.

When to stop paying for full coverage

There is no clear-cut rule to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's say your Kia Optima claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If premiums are more than $300 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some conditions where only buying liability is not financially feasible. If you haven't paid off your loan, you must maintain physical damage coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Males versus Females

The information below illustrates the difference between Kia Optima car insurance rates for male and female drivers. The costs are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Companies offer many types of discounts on Kia Optima insurance in Honolulu

Companies don't always advertise all available discounts in a way that's easy to find, so the next list breaks down both the well known and the harder-to-find discounts you could be receiving when you buy Honolulu auto insurance online.Discount car insurance

Drivers should understand that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

A list of companies and some of the discounts are shown below.

Double check with each company or agent how many discounts you can get. Some discounts listed above may not be offered in your state.

Lower Your Honolulu Insurance Premiums

Lots of things are used when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although some other factors are less apparent such as whether you are married or your vehicle rating. Consumers need to have an understanding of the factors that are used to determine the price you pay for insurance. If you have some idea of what influences your rates, this helps enable you to make changes that can help you get lower rates.

The items below are just a few of the factors insurance companies consider when setting your rates.

Shop online but buy locally

Many drivers still prefer to get professional advice from a licensed agent. Experienced insurance agents can help you choose the best coverages and give you someone to call. One of the benefits of getting online price quotes is you can get cheap car insurance quotes and still choose a local agent.

Find insurance agent in HonoluluAfter filling out this form (opens in new window), your insurance data is sent to agents in your area who want to provide quotes for your business. You don't have to contact any insurance agencies because quoted prices will be sent directly to you. In the event you want to get a comparison quote from a specific insurance company, you would need to find their quoting web page and fill out the quote form the provide.

Deciding on an insurance company should depend on more than just a cheap price quote. Some important questions to ask are:

When researching a reputable insurance agent or broker, it's important to understand the types of insurance agents that you can select. Car insurance policy providers are categorized either independent agents or exclusive agents depending on their employer. Both types of agents can provide car insurance policies, but it is important to understand the difference in the companies they write for because it can factor into your agent selection.

Exclusive Car Insurance Agencies

Agents that elect to be exclusive can only place business with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive agents are very knowledgeable in insurance sales which can be an advantage.

Shown below is a short list of exclusive insurance agents in Honolulu willing to provide price quotes.

677 Ala Moana Blvd Ste 310 - Honolulu, HI 96813 - (808) 951-0866 - View Map

1580 Makaloa St #102 - Honolulu, HI 96814 - (808) 945-0802 - View Map

Allstate Insurance: Valerie Nagaji
4211 Waialae Ave #8080 - Honolulu, HI 96816 - (808) 735-2841 - View Map

View more agents

Independent Agents (or Brokers)

These type of agents do not have single company limitations so they have the ability to put coverage with many different companies and find the cheapest car insurance rates. If premiums increase, they simply move your policy to a different company which is easy for the insured. If you need lower rates, it's a good idea to contact independent agents to get the best comparison.

Shown below are Honolulu independent agents willing to provide price quotes.

819 S Beretania St - Honolulu, HI 96813 - (808) 539-1600 - View Map

1088 Bishop St #2210 - Honolulu, HI 96813 - (808) 841-5915 - View Map

1350 S King St #303 - Honolulu, HI 96814 - (808) 591-5545 - View Map

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Be persistent and save

When shopping online for car insurance, don't be tempted to buy poor coverage just to save money. In many cases, someone dropped comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

Some companies may not offer online quoting and these smaller providers prefer to sell through local independent agents. Lower-priced Kia Optima insurance in Honolulu can be found both online as well as from insurance agents, and you need to price shop both so you have a total pricing picture.

Much more information about car insurance in Hawaii can be read at these links: