Insurance for Subaru OutbackWant to learn how to find low-cost Subaru Outback insurance in Honolulu? Being forced to pay for high-priced car insurance premiums can drain your bank account and possibly require postponing other expenditures. Performing a rate comparison can lower your rates and help to tighten up your finances.

A recent study revealed that nearly 70% of customers kept their coverage with the same car insurance company for well over three years, and approximately 38% of consumers have never compared rate quotes at all. With the average car insurance premium being $1,000, Hawaii drivers can save approximately $360 each year just by getting comparison quotes, but they just assume it takes a lot of time to find affordable car insurance rates.

Insurance companies such as GEICO and Progressive persitently shower you with advertising and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

When looking for low cost Honolulu auto insurance quotes, there are a couple ways to compare rate quotes from many different Hawaii insurance companies. By far the easiest way to lower the rate you pay for insurance is to use the internet to compare rates.

Online shopping is fast and free, and it takes the place of having to drive around to different Honolulu agent offices. The fact that you can get quotes online eliminates this option unless your situation requires the advice and guidance that only a licensed agent can provide. However, consumers can find lower rates online but buy the policy through an agent. When comparing insurance rates, know that having more price comparisons helps locate the best price.

The following companies offer free quotes in Honolulu, HI. If multiple companies are listed, it's a good idea that you visit two to three different companies to get the lowest price.

Subaru Outback Insurance Cost Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $222 $320 $344 $20 $104 $1,010 $84
Outback 2.5I Premium $200 $350 $254 $16 $76 $896 $75
Outback 2.5I Limited $224 $338 $270 $16 $80 $928 $77
Outback 3.6R $210 $318 $272 $16 $82 $898 $75
Outback 3.6R Premium $234 $378 $272 $16 $82 $982 $82
Outback 3.6R Limited $246 $476 $278 $16 $84 $1,100 $92
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in your specific Honolulu location which can impact rates considerably.

Reckless driving habits raise car insurance rates

The illustration below illustrates how speeding tickets and accident claims can raise Subaru Outback premium costs for different age groups. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Car insurance rates based on gender

The chart below visualizes the comparison of Subaru Outback insurance prices for male and female drivers. The information is based on no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Physical damage deductibles: Should you raise them?

The diagram below shows how different deductible levels and can increase or decrease Subaru Outback insurance premiums for different categories of driver ages. The rate quotes are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Insurance rates and discounts

Not too many consumers would say insurance is affordable, but you may find discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time of purchase, but less common discounts must be requested specifically prior to receiving the credit. If you don't get every credit available, you are just wasting money.Cheaper insurance with discounts

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, that's just not realistic. Any amount of discount will positively reduce your premiums.

If you would like to see a list of providers offering insurance discounts in Honolulu, follow this link.

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

Some consumers just prefer to sit down with an agent and that can be a great decision The biggest benefit of comparing rate quotes online is that drivers can save money and get the best rates and still have a local agent. Putting coverage with local agents is definitely important in Honolulu.

By using this quick form, your insurance coverage information is submitted to agents in your area that provide free Honolulu auto insurance quotes for your coverage. It simplifies rate comparisons since you won't have to drive around because quoted prices will be sent to your email. You can find lower rates AND an agent nearby. If you want to quote rates for a specific company, feel free to go to their quote page and submit a quote form there.

Exclusive or Independent: There is a difference

If you are wanting to find local Honolulu agents, you should know the different types of agents that differ in how they can insure your vehicles. Insurance agencies in Honolulu may be either exclusive or independent.

Independent Agents (or Brokers)

These agents often have many company appointments so they can quote policies with an assortment of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies which makes it simple for you.

If you are comparing rate quotes, we recommend you include rate quotes from independent agents to have the most options to choose from.

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

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

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

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

View more Honolulu agents

Exclusive Car Insurance Agents

These agents can only provide pricing for a single company such as American Family, State Farm, and Allstate. They are unable to compare other company's rates so they are skilled at selling on more than just price. These agents are well schooled on what they offer which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive insurance agencies in Honolulu that are able to give rate quotes.

1649 Liliha St - Honolulu, HI 96817 - (808) 834-2222 - View Map

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

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

View more Honolulu agents

Deciding on an insurance agency requires you to look at more than just the price. Any agent in Honolulu should be forthright in answering these questions:

After receiving satisfactory answers to any questions you have and a good coverage price, most likely you have located an insurance agency that meets the criteria to service your policy.

Why You Might Pay Lower Rates in Honolulu

Lots of factors are part of the equation when you quote your car insurance policy. Most are fairly basic like your driving record, but other factors are not as apparent like where you live or your commute time. Consumers need to have an understanding of the factors that aid in calculating car insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that may result in lower rates.

Auto insurance does more than just repair your car

Despite the fact that auto insurance is not cheap in Honolulu, insuring your vehicle may be required and benefits you in several ways.

The benefits of insuring your Outback outweigh the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $865 each year so you should quote your policy with other companies once a year at a minimum to ensure rates are competitive.

Smart shoppers get results

When shopping online for auto insurance, don't be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed full coverage and learned later they didn't have enough coverage. Your goal is to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

Some companies do not offer online price quotes and most of the time these regional insurance providers work with independent insurance agencies. Cheaper auto insurance in Honolulu is possible online and from local agencies, so you need to compare both in order to have the best chance of saving money.

Much more information about auto insurance in Hawaii can be found at the links below