Would you like to buy lower-priced Kia Sportage insurance in Honolulu? Car owners who just recently started comparing insurance coverage quotes on the internet could find sourcing the cheapest Kia Sportage insurance in Honolulu can be quite difficult.

Discount Kia Sportage insuranceIt's hard to believe, but a large majority of drivers kept their policy with the same company for more than four years, and almost half have never quoted rates to find affordable coverage. With the average car insurance premium being $1,000, Honolulu drivers could save $360 a year just by shopping around, but they just don't understand how easy it is to shop their coverage around.

It's a great practice to price shop coverage as often as possible because rates change frequently. Even if you think you had the lowest rate on Kia Sportage insurance in Honolulu on your last policy you may be paying too much now. Forget all the misinformation about car insurance because I'm going to teach you the best methods to reduce your cost while increasing coverage.

Affordable companies for Kia Sportage insurance

The providers in the list below provide free rate quotes in Honolulu, HI. If the list has multiple companies, it's highly recommended you visit several of them to find the lowest auto insurance rates.

Kia Sportage Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $140 $258 $344 $20 $104 $866 $72
Sportage LX 2WD 4-Dr $152 $280 $248 $14 $74 $768 $64
Sportage EX 2WD 4-Dr $176 $338 $300 $18 $90 $922 $77
Sportage LX 4WD 4-Dr $108 $224 $300 $18 $90 $740 $62
Sportage LX $142 $286 $300 $18 $90 $836 $70
Sportage EX 4WD 4-Dr $218 $464 $344 $20 $104 $1,150 $96
Get Your Own Custom Quote Go

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific location which can increase or decrease auto insurance rates greatly.

Kia Sportage liability rates compared to full coverage

The diagram below illustrates the comparison of Kia Sportage premium costs with full coverage compared to only the Hawaii minimum liability coverage. The data assumes no violations or accidents, $100 deductibles, single female driver, and no discounts are taken into consideration.

When to buy liability coverage only

There is no clear-cut formula that works best for making the decision to drop comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Kia Sportage claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after the deductible is paid. If it's costing in excess of $500 a year to have full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Driving violations and accidents

The example below demonstrates how speeding tickets and accident claims can increase Kia Sportage insurance premiums for each age group. The price estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Auto insurance discounts help lower rates for Kia Sportage insurance in Honolulu

Car insurance companies don't always publicize the entire discount list in a way that's easy to find, so the following list contains both the well known and also the more inconspicuous credits available to bring down your rates.Discount auto insurance

It's important to note that most credits do not apply to the whole policy. Some only apply to individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way.

Companies and a summarized list of policyholder discounts are included below.

Before buying, ask each insurance company what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in your area. To choose providers that can offer you the previously mentioned discounts in Honolulu, click here to view.

Choices You Make Can Impact Your Insurance Prices

It's important that you understand some of the things that help calculate the rates you pay for car insurance. When you understand what controls the rates you pay, this allows you to make good choices that could result in cheaper rates. Many factors are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving record, but other criteria are not as apparent such as your credit history and annual miles driven.

Compare rates but still have a local Honolulu insurance agency

Many drivers still prefer to go talk to an agent and that is a personal choice. One of the great benefits of comparing rate quotes online is that you can find better rates and also buy local.

Once you complete this form (opens in new window), the quote information gets sent to participating agents in Honolulu who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to search for any insurance agencies since rate quotes are delivered instantly to you. Get lower rates without the usual hassles of price shopping. If you have a need to compare prices from a specific insurance company, feel free to visit that company's website and submit a quote form there.

Choosing an company requires more thought than just the bottom line cost. These questions are important to ask:

If you want to buy car insurance from a reliable agent, it helps to know the two different types of agencies and how they differ in how they can insure your vehicles. Agents can either be independent agents or exclusive agents.

Exclusive Car Insurance Agents

Agents of this type can only quote rates from one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are well schooled in insurance sales which can be an advantage. Some people will only use the same agent mostly because of the prominence of the brand and strong financial ratings.

The following are exclusive insurance agencies in Honolulu that can give you price quotes.

View more agents

Independent Car Insurance Agents

These type of agents do not work for one specific company so they have the ability to put coverage with any number of different companies and get you the best rates possible. If you are not satisfied with one company, your agent can just switch to a different company and you stay with the same agent.

If you need cheaper car insurance rates, it's a good idea to get quotes from multiple independent agents in order to compare the most rates. A lot of them also have access to different regional companies which may provide better rates.

Listed below are independent agencies in Honolulu that are able to give price quote information.

View more agents

Truth in car insurance advertising

Car insurance providers like GEICO, State Farm and Progressive endlessly run ads in print and on television. All the companies make the same claim about saving some big amount after switching your coverage to them. How is it possible that every company can lower your rates?

Different companies have a certain "appetite" for the type of driver they prefer to insure. An example of this type of driver may need to be over the age of 50, has had continuous coverage, and drives a lower-performance vehicle. Any customer that fits those parameters will get very good Honolulu auto insurance rates and will probably cut their rates substantially.

Drivers who may not quite match these stringent criteria will have to pay higher rates which usually ends up with business going elsewhere. The ad wording is "customers who switch" but not "all drivers who get quotes" save that much. That's why insurance companies can confidently state the savings. Because of the profiling, drivers should get price quotes at each policy renewal. It's just not possible to know with any certainty which company will provide the lowest Kia Sportage insurance in Honolulu.

Compare but don't skimp

Insureds who switch companies do it for many reasons like delays in paying claims, high rates after DUI convictions, denial of a claim or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

Cheaper insurance in Honolulu is available from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and many times these small, regional companies only sell coverage through independent insurance agencies.

We just presented a lot of information how to shop for Kia Sportage insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced insurance comes from some of the lesser-known companies.

More tips and info about insurance can be found in the articles below: