Do you need a better way to compare more affordable Toyota Venza insurance in Honolulu? Do you think you bought overpriced Toyota Venza insurance in Honolulu? Believe me, many Honolulu consumers feel financially strained by their car insurance policy.

Discount Toyota Venza insuranceShockingly, most drivers have remained with the same car insurance company for over three years, and approximately 40% of consumers have never compared rate quotes at all. Consumers in Hawaii could pocket about $360 a year by just shopping around, but they just assume it's a time-consuming process to compare rate quotes online. Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available on Toyota Venza insurance in Honolulu.

Smart consumers take time to do rate comparisons yearly due to the fact that insurance rates go up and down regularly. Even if you think you had the best deal on Toyota Venza insurance in Honolulu a couple years back you can probably find a lower rate today. There is too much inaccurate information about Venza insurance online but you can learn some proven techniques to find cheap car insurance in Honolulu.

Finding a better price on auto insurance is actually easier than you may think. The only thing you need to do is spend a few minutes on the computer to compare rate quotes online from several insurance companies.

It's so easy to compare quotes online that it replaces the need to go to local insurance agencies. The internet reduces the need to sit down with an agent unless you have a need for the professional guidance of an agent trained in personal lines coverage. Drivers can price shop online but buy the policy through an agent.

The providers in the list below have been selected to offer free rate quotes in Hawaii. If the list has multiple companies, we recommend you compare several of them to find the most competitive car insurance rates.

Toyota Venza Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $208 $402 $358 $22 $106 $1,096 $91
Venza AWD 4-Dr $110 $212 $248 $14 $74 $658 $55
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in vehicle location which can increase or decrease coverage rates substantially.

Higher deductibles save money

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The premium rates below highlight the rate difference between high and low insurance deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Toyota Venza insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $258 $484 $264 $16 $80 $1,127 $94
Venza AWD 4-Dr $258 $484 $264 $16 $80 $1,127 $94
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Toyota Venza insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $142 $256 $264 $16 $80 $758 $63
Venza AWD 4-Dr $142 $256 $264 $16 $80 $758 $63
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in specific location which can decrease or increase rates noticeably.

Based on the figures above, using a $100 deductible will cost in the ballpark of $31 more each month or $372 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 29 months between claims, you would come out ahead if you decide on a higher deductible.

Auto insurance discounts are available for cheaper rates

Companies that sell car insurance don't necessarily list every possible discount in a way that's easy to find, so we break down a few of the more well known as well as the least known credits that may apply to you.Cheaper auto insurance with discounts

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you're out of luck.

Large auto insurance companies and their possible discounts are outlined below.

When comparing rates, check with each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders everywhere. If you would like to view insurance companies that offer the discounts shown above in Hawaii, click here to view.

Insuring your Toyota Venza just makes sense

Even though it can be expensive, insurance is required for several reasons.

The benefits of buying car insurance greatly outweigh the cost, especially when you need to use it. But the average driver in Hawaii is overpaying more than $700 annually so it's very important to do a rate comparison at every policy renewal to save money.

Can't I get rate quotes from local Honolulu car insurance agents?

Some consumers still prefer to buy from a local agent and that can be a smart move Most agents can make sure you are properly covered and help in the event of a claim. One of the great benefits of comparing rates online is that you can obtain the best rates and still buy from a local agent. And supporting local insurance agencies is still important in Honolulu.

For easy comparison, once you complete this simple form, your information gets sent to insurance agents in Honolulu who will give competitive quotes for your business. You don't have to contact any insurance agencies because prices are sent directly to your email. If for some reason you want to quote rates for a specific company, you can always jump over to their website and complete a quote there.

Two types of Honolulu car insurance agents

If you are searching for an insurance agent, there are two different types of agencies to choose from. Auto insurance agents in Honolulu are considered either independent agents or exclusive agents. Both types can write auto insurance policies, but we need to point out why they differ because it can factor into your selection of an agent.

Independent Auto Insurance Agents

These type of agents are not employed by one company so they have the ability to put coverage amongst many companies depending on which coverage is best. If prices rise, the agent simply finds a different carrier which makes it simple for you.

When comparing auto insurance rates, you need to include price quotes from a few independent agents for maximum quote selection.

Featured below is a short list of independent agencies in Honolulu that may be able to give free auto insurance quotes.

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

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

1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map

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Exclusive Auto Insurance Agents

Exclusive agencies generally can only insure with one company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are highly trained on the products they sell which helps overcome the inability to quote other rates.

The following is a list of exclusive agencies in Honolulu willing to provide price quote information.

2841 Kaonawai Pl - Honolulu, HI 96822 - (808) 988-7011 - View Map

1125 N King St #303 - Honolulu, HI 96817 - (808) 254-7028 - View Map

1806 S King St Ste 32 - Honolulu, HI 96826 - (808) 941-2886 - View Map

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Picking the best car insurance agent should depend on more than just a cheap price quote. These are some questions your agent should answer.