It takes a few minutes, but the best way to get low-cost Audi A7 insurance in Honolulu is to compare quotes annually from different companies in Hawaii. You can shop around by following these steps.
- First, get an understanding of how auto insurance works and the modifications you can make to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as speeding tickets, accidents and a bad credit rating can be amended by improving your driving habits or financial responsibility.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agents can give you price quotes for a wide range of insurance providers.
- Third, compare the quotes to your current policy premium to see if a cheaper rate is available. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
- Fourth, give notification to your current company to cancel your existing policy. Submit the required down payment along with the signed application to your new agent or company. Be sure to safely store the certificate verifying coverage in an accessible location in your vehicle.
One thing to point out is to make sure you enter the same physical damage deductibles and liability limits on every quote and and to get prices from every insurance company. This helps ensure the most accurate price comparison and the most accurate and complete price analysis.
Unbelievable but true according to a study 70% of consumers have purchased from the same company for over three years, and 38% of drivers have never compared rate quotes at all. Drivers in Honolulu could save themselves approximately $400 a year by just comparing rate quotes, but they won’t spend time to find affordable car insurance rates.
Best Audi A7 insurance rates in Hawaii
The companies shown below can provide quotes in Hawaii. If the list has multiple companies, it’s highly recommended you visit as many as you can to find the most affordable auto insurance rates.
Cheaper Honolulu auto insurance rates with discounts
Auto insurance can be pricey, but you might find some hidden discounts that you may not even know about. Certain credits will be shown at the time of quoting, but a few must be asked for prior to receiving the credit. If you don’t get every credit available, you could be saving more on your auto insurance.
- Service Members Pay Less – Being deployed in the military could be rewarded with lower prices.
- Passenger Safety Discount – Factory air bags may qualify for discounts of up to 25% or more.
- Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with the same insurance company you could get a discount of up to 20% and get you cheaper A7 insurance.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and qualify for as much as a 10% discount.
- Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.
- Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
- Low Mileage Discounts – Low annual miles may enable drivers to earn lower auto insurance rates on the low mileage vehicles.
- Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on one policy can reduce rates for all insured vehicles.
- Membership in Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for auto insurance.
- Data Collection Discounts – Policyholders that allow their auto insurance company to scrutinize their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride. But all discounts should help lower the cost of your policy.
Car insurance companies that may offer quotes with some of the discounts shown above are:
When getting a coverage quote, ask all the companies which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in every state. To see insurers with the best discounts in Honolulu, click here to view.
Exclusive versus independent auto insurance agents
Some people just want to sit down with an agent. One of the best bonuses of getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes but still work with a licensed agent.
Once you complete this simple form, your insurance data gets sent to local insurance agents that provide free Honolulu car insurance quotes for your business. It makes it easy because there is no need to find an agent as quotes are delivered immediately to your email address. You can find the lowest rates and an insurance agent to talk to. In the event you want to get a rate quote from a specific insurance company, you would need to find their quoting web page and fill out the quote form the provide.
Choosing an company requires you to look at more than just a low price. Here are some questions you might want to ask.
- If independent agents, which companies do they recommend?
- Can glass claims be handled at your home?
- What companies can they write with?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do you need full coverage on every vehicle?
Information about specific coverages
Understanding the coverages of your car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Audi A7.
Because many people only carry the minimum required liability limits (Hawaii limits are 20/40/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage – This covers damage to your A7 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your A7 to save money on collision insurance.
Liability coverages – This protects you from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 20/40/10 which stand for a limit of $20,000 per injured person, a per accident bodily injury limit of $40,000, and property damage coverage for $10,000.
Liability coverage pays for claims such as emergency aid, structural damage and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Hawaii requires drivers to carry at least 20/40/10 but drivers should carry better liability coverage.
The next chart shows why low liability limits may not be high enough to adequately cover claims.
Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, rehabilitation expenses, nursing services and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive car insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims like damage from flooding, damage from getting keyed, vandalism, hitting a bird and falling objects. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Ratings for Honolulu auto insurance companies
Selecting the top auto insurance company can be challenging considering how many companies sell coverage in Hawaii. The company rank data shown below can help you decide which car insurance providers you want to consider shopping your coverage with.
Top 10 Honolulu Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- The Hartford
- Farmers Insurance
Top 10 Honolulu Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- Liberty Mutual – 88%
- Allstate – 88%
- Esurance – 87%
- Progressive – 87%
Shop smart and save
Consumers change insurance companies for many reasons like lack of trust in their agent, denial of a claim, policy non-renewal and delays in responding to claim requests. It doesn’t matter what your reason, finding a new insurance company can be less work than you think.
We just showed you a lot of ways to compare Audi A7 insurance premium rates in Honolulu. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Drivers may even discover the biggest savings come from a small local company.
When getting Honolulu car insurance quotes online, never skimp on coverage in order to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage for the lowest cost.
To read more, feel free to browse the articles below:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Who Has Cheap Honolulu Auto Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Car Insurance FAQ (Trusted Choice)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)