Insurance rates Mercedes-Benz SLS AMG in HonoluluThere isn't anyone who looks forward to buying auto insurance, especially when they are aware that it costs too dang much.

Unbelievable but true, over 70% of consumers kept buying from the same company for four years or more, and virtually 40% of consumers have never shopped around. American insurance shoppers could cut their rates by as much as $860 a year by just comparing quotes, but they don't believe the amount of money they would save if they switched. Having so many companies and agents to choose from, it can be diffult for drivers to locate the most affordable insurer.

The quickest method to compare insurance rates from multiple companies is to understand most of the bigger providers actually pay money for the chance to compare their rates. The one thing you need to do is take a few minutes to give details including an estimate of your credit level, how old drivers are, if a SR-22 is needed, and how much school you completed. The data is sent automatically to multiple different insurance companies and they provide comparison quotes instantly to find the best rate.

To start a quote now, click here and enter the information requested.

The companies shown below are our best choices to provide free quotes in Hawaii. If several companies are displayed, we suggest you compare several of them to get the lowest price.

What is the best insurance coverage?

Always remember that when buying your policy for your vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.Safe vehicles cost less to insure

These are some specific questions can aid in determining whether you could use an agent's help.

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It's fast, free and you can get the answers you need.

When to contact an insurance agent

Many drivers just prefer to sit down and talk to an agent and that is a personal choice. Experienced insurance agents can help you choose the best coverages and help you file claims. One of the great benefits of getting online price quotes is that you can find the lowest rates but also keep your business local. And buying from small agencies is especially important in Honolulu.

Find insurance agent in HonoluluTo find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to agents in your area who will return price quotes and help you find cheaper coverage. It makes it easy because there is no need to do any legwork since price quotes are sent to you instantly. If for some reason you want to get a price quote from one company in particular, just go to their quote page and give them your coverage information.

Choose an insurance agent wisely

If you need to find an insurance agent, you need to know there are two different types of agencies and how they work. Agencies in Honolulu can either be independent (non-exclusive) or exclusive. Both can properly insure your vehicles, but it is important to understand how they differ since it may influence the kind of agent you use.

Independent Agents (or Brokers)

Independent agents are not locked into one company so they have the ability to put coverage through many different insurance companies and help determine which has the cheapest rates. If they find a cheaper price, they simply move your policy to a different company and the insured can keep the same agent.

When shopping rates, you absolutely need to check rates from at a minimum one independent agency to have the best price comparison.

Shown below is a list of independent agencies in Honolulu that may be able to give you free price quotes.

1100 Alakea St #2600 - Honolulu, HI 96813 - (808) 537-1970 - View Map

1022 Bethel St - Honolulu, HI 96813 - (808) 643-4000 - View Map

250 Ward Ave #220 - Honolulu, HI 96814 - (808) 626-5068 - View Map

View more Honolulu agents

Exclusive Insurance Agencies

Agents of this type are contracted to one company and some examples include State Farm, Allstate and AAA. Exclusive agencies are unable to compare rates from other companies so keep that in mind. These agents are very knowledgeable on their company's products and that allows them to sell at a higher price point.

Below are Honolulu exclusive agents that can give you rate quotes.

Herb Fujikawa - State Farm Insurance Agent
3538 Waialae Ave #205 - Honolulu, HI 96816 - (808) 732-1076 - View Map

Scott Saito - State Farm Insurance Agent
1150 S King St #901d - Honolulu, HI 96814 - (808) 946-8464 - View Map

1682 Kalakaua Ave #1 - Honolulu, HI 96826 - (808) 638-3673 - View Map

View more Honolulu agents

Finding the right auto insurance agent should include more criteria than just a cheap quote. Any agent in Honolulu should have no problem answering these questions:

If you receive positive responses for all questions you ask as well as a affordable price, you may have just found a car insurance agent that will properly service your insurance policy.