Insurance rates Toyota FJ Cruiser in HonoluluHow long has it been since you compared lower-priced car insurance rates in Honolulu, HI? Honolulu drivers have lots of choices when trying to find the best price on Toyota FJ Cruiser insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to compare rates. There are more efficient ways to compare car insurance rates and you need to know the proper way to quote coverages on a Toyota and locate the lowest possible price from both online companies and Honolulu agents.

Auto insurance policy discounts you can't miss

Some companies don't always list every policy discount very well, so we break down both well-publicized as well as the least known discounts you could be receiving when you buy Honolulu auto insurance online.Cheaper auto insurance with discounts

We need to note that most of the big mark downs will not be given to the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you aren't that lucky. Any amount of discount will help lower your policy premiums.

To view providers with the best Toyota FJ Cruiser insurance discounts in Honolulu in Honolulu, click here.

How to compare Honolulu Toyota FJ Cruiser insurance quotes

Finding cheaper insurance quotes is actually quite simple. You just need to spend a few minutes on the computer to get quotes to discover which company has affordable Toyota FJ Cruiser insurance quotes.

The following companies offer free quotes in Honolulu, HI. If multiple companies are shown, we recommend you visit as many as you can to get the best price comparison.

Toyota FJ Cruiser Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $162 $178 $346 $20 $104 $810 $68
FJ Cruiser 4WD $260 $312 $272 $16 $82 $942 $79
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Honolulu garaging location which can decrease or increase price quotes substantially.

Higher deductibles lower rates

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The comparisons below can help you visualize the costs and benefits of buying low and high insurance deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Toyota FJ Cruiser insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $230 $284 $264 $16 $80 $899 $75
FJ Cruiser 4WD $258 $284 $264 $16 $80 $927 $77
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Toyota FJ Cruiser insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $142 $178 $264 $16 $80 $680 $57
FJ Cruiser 4WD $158 $178 $264 $16 $80 $696 $58
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in specific zip code location which can impact prices significantly.

We can estimate from the data above that using a $250 deductible costs roughly $18 more each month or $216 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 42 months between claim filings, you would probably save some money if you choose the higher deductible. The illustration below shows an example of how this decision is made.

Average monthly premium for $250 deductibles: $76
Average monthly premium for $1,000 deductibles (subtract): - $58
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

How do I know if I need professional advice?

When quoting and comparing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. You are unique and your car insurance should be unique as well.Higher deductibles save money For instance, these questions can help discover whether your personal situation may require specific advice.

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

What if I want to buy from local Honolulu car insurance agents?

Certain consumers just prefer to talk to an insurance agent and often times that is recommended Good insurance agents are highly skilled in risk management and help in the event of a claim. One of the benefits of getting free rate quotes online is that you can find cheap auto insurance rates and still have a local agent.

Insurance agency in HonoluluFor easy comparison, once you complete this short form, your insurance coverage information is emailed to participating agents in Honolulu who will give you bids and help you find cheaper coverage. It simplifies rate comparisons since you won't have to do any legwork due to the fact that quote results will go to you. If you need to get a comparison quote from a specific insurance company, you would need to jump over to their website and give them your coverage information.

Choosing an company should include more criteria than just the bottom line cost. A good agent in Honolulu will have answers to these questions.

If you would like to find a local insurance agency, you should know the types of agencies and how they are distinctly different. Insurance agencies in Honolulu are considered either independent (non-exclusive) or exclusive. Either one can properly insure your vehicles, but it's good to learn how they are different since it can impact the selection process.

Exclusive Agents

These agents have only one company to place business with such as State Farm, AAA, and Liberty Mutual. They generally cannot provide prices from multiple companies so always compare other rates. They are trained well on sales techniques which helps them compete with independent agents. A lot of people choose to use a exclusive agent primarily because of the brand name rather than low rates.

Shown below is a short list of exclusive insurance agencies in Honolulu who can help you get price quote information.

More Honolulu agents

Independent Auto Insurance Agents

These type of agents often have many company appointments and that enables them to quote your coverage through many different auto insurance companies and find you cheaper rates. If your premiums go up, an independent agent can move your coverage which makes it simple for you.

When comparison shopping, you will definitely want to check rates from independent agents so that you can do a thorough price comparison. Most have the option of insuring with smaller companies that many times have cheaper rates.

The following is a list of independent insurance agents in Honolulu that are able to give comparison quotes.

More Honolulu agents

After receiving good answers to your questions as well as offering an affordable quote, chances are good that you have found an insurance agency that can properly insure your vehicles.

Cheaper insurance is a realistic goal

Low-cost Toyota FJ Cruiser insurance in Honolulu is available on the web as well as from insurance agents, so you need to shop Honolulu auto insurance with both to have the best chance of lowering rates. A few companies don't offer online price quotes and usually these smaller providers only sell coverage through independent insurance agents.

When trying to cut insurance costs, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and learned 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 at a price you can afford while not skimping on critical coverages.

Additional information is available at the links below