Find Affordable Toyota Sienna Insurance in Honolulu

Discount Toyota Sienna insuranceTo save the most money, the best way to find low-cost prices for Toyota Sienna insurance in Honolulu is to regularly compare price quotes from different companies that insure vehicles in Hawaii.

Step 1: Get an understanding of policy coverages and the measures you can take to keep rates low. Many risk factors that result in higher rates like at-fault accidents, careless driving, and bad credit can be remedied by making small lifestyle or driving habit changes.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agencies can give you price quotes for many different companies. Start a quote

Step 3: Compare the quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote, make sure there is no coverage gap between policies.

Step 4: Provide written notification to your current company to cancel your current policy and submit payment along with a signed and completed policy application to your new agent or company. Immediately safely store the certificate of insurance in your vehicle.

A good tip to remember is to compare the same physical damage deductibles and liability limits on each quote request and and to get rates from as many carriers as you can. This enables a fair rate comparison and the best rate selection.

It’s an obvious assumption that auto insurance companies don’t want you to compare rates. Consumers who shop for lower rates will probably buy a different policy because there is a good chance of finding coverage at a cheaper rate. A recent insurance study discovered that drivers who routinely compared rates saved an average of $3,450 over four years as compared to drivers who never shopped around.

If saving money on auto insurance in Honolulu is your objective, then learning about how to get price quotes and compare insurance can help simplify the process.

If you are insured now or need a new policy, use these money-saving tips to lower your rates without reducing coverage. Quoting and comparing rates for the best insurance coverage in Honolulu is not as time-consuming as you think. Shoppers just need to learn the proper methods to get comparison rates over the internet.

Best companies for Toyota Sienna insurance

The companies shown below can provide free quotes in Honolulu, HI. If the list has multiple companies, we suggest you visit two to three different companies to get a more complete price comparison.

Coverage analysis

The coverage information shown below highlights estimates of policy rates for Toyota Sienna models. Being able to understand how insurance prices are determined can be valuable when making informed coverage decisions.

Toyota Sienna Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $172 $390 $344 $20 $104 $1,030 $86
Sienna LE $196 $390 $344 $20 $104 $1,054 $88
Sienna LE AWD $196 $390 $344 $20 $104 $1,054 $88
Sienna XLE $196 $390 $344 $20 $104 $1,054 $88
Sienna XLE AWD $196 $458 $344 $20 $104 $1,122 $94
Sienna Limited $222 $458 $344 $20 $104 $1,148 $96
Sienna Limited AWD $222 $458 $344 $20 $104 $1,148 $96
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can raise or lower premiums greatly.

Deductible analysis

When shopping for insurance, a common question is what deductibles to buy. The comparison tables below may aid in understanding how much more rates are between low and high coverage deductibles. The first price estimate table uses a $100 deductible and the second rate chart uses a $500 deductible.

Toyota Sienna insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $198 $412 $264 $16 $80 $995 $83
Sienna LE $228 $412 $264 $16 $80 $1,025 $85
Sienna LE AWD $228 $412 $264 $16 $80 $1,025 $85
Sienna XLE $228 $412 $264 $16 $80 $1,025 $85
Sienna XLE AWD $228 $484 $264 $16 $80 $1,097 $91
Sienna Limited $258 $484 $264 $16 $80 $1,127 $94
Sienna Limited AWD $258 $484 $264 $16 $80 $1,127 $94
Get Your Own Custom Quote Go

Toyota Sienna insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $144 $278 $264 $16 $80 $782 $65
Sienna LE $166 $278 $264 $16 $80 $804 $67
Sienna LE AWD $166 $278 $264 $16 $80 $804 $67
Sienna XLE $166 $278 $264 $16 $80 $804 $67
Sienna XLE AWD $166 $328 $264 $16 $80 $854 $71
Sienna Limited $188 $328 $264 $16 $80 $876 $73
Sienna Limited AWD $188 $328 $264 $16 $80 $876 $73
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates significantly.

Based on these figures, using a $100 deductible costs about $19 more each month or $228 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 21 months between claim filings, you would probably be better off if you elect the higher deductible.

The diagram below highlights how deductible selection and can change Toyota Sienna annual premium costs for each age group. The premiums assume a single male driver, full coverage, and no discounts are factored in.

Male drivers compared to female drivers

The information below shows the comparison of Toyota Sienna insurance rates for male and female drivers. The data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Rate difference between full and liability-only coverage

The diagram below shows the comparison of Toyota Sienna premium costs with and without physical damage coverage. The rates are based on no claims or violations, $100 deductibles, single marital status, and no other discounts are factored in.

Should you be buying full coverage?

There is no definitive guideline that works best for making the decision to drop full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s say your Toyota Sienna replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the deductible is paid. If you are paying in excess of $200 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some cases where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Insurance discounts help lower rates for Toyota Sienna insurance in Honolulu

Car insurance is not cheap, but there’s a good chance there are discounts that many consumers don’t even know exist. Certain credits will be shown when you complete an application, but occasionally some discounts must be asked about prior to receiving the credit. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.Save money with discounts

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will help reduce your overall premium however.

The example below illustrates the difference between Toyota Sienna insurance premiums with and without some available policy discounts. The rate quotes are based on a female driver, no claims or violations, Hawaii state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, claim-free, marriage, and multi-car discounts applied.

Larger insurance companies and some of their more popular discounts can be read below.

Before purchasing a policy, check with all the companies which discounts you qualify for. Some discounts might not apply in your state. If you would like to see a list of companies who offer online Toyota Sienna insurance quotes in Hawaii, click this link.

How Car Insurance Companies Determine Toyota Sienna Insurance Prices

Many different elements are used in the calculation when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are not as apparent like your vehicle usage or your commute time. When buying insurance it’s important to understand the rating factors that are used to determine the level of your policy premiums. When consumers understand what determines premiums, this allows you to make educated decisions that could result in big savings.

The factors shown below are some of the most common factors used by companies to determine premiums.

Little extras can really add up – Insurance policies have a lot of additional extra coverages that can add up if you don’t pay attention. Insurance for things like personal injury protection, better glass coverage, and membership fees are some examples. They may sound like good ideas when talking to your agent, but if you’ve never needed them in the past remove them from your policy.

Tickets drive up prices – Being a careful driver impacts premiums far more than you think. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Even one speeding ticket may increase your cost substantially. Drivers with multiple citations such as DUI or willful reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

The diagram below highlights how speeding tickets and at-fault claims can raise Toyota Sienna yearly insurance costs for different age groups of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Pleasure use or commuting – The more you drive your Toyota every year the higher your rate. Almost all companies charge rates based on their usage. Autos that have low annual miles can get a lower rate compared to those used for work or business. It’s always a good idea to double check that your insurance declarations sheet is rated on annual mileage, because it can save money. Incorrect rating for your Sienna can result in significantly higher rates.

Cheaper insurance rates using theft deterrents – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft and help bring rates down.

Drivers with responsible credit save – Having a bad credit score will be a significant factor in determining what you pay for insurance. If your credit score is lower than you’d like, you could be paying less to insure your Toyota Sienna by spending a little time repairing your credit. Consumers who have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower ratings.

How old are your drivers? – Older people are more cautious drivers, cause fewer claims and accidents, and are generally more financially stable. Young drivers are known to be more careless in a vehicle so insurance rates are higher.

The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Claims statistics for a Toyota Sienna – Car insurance companies use data from past claims in order to profitably underwrite each model. Vehicles that historically have increased losses will have higher rates for specific coverages.

The next table shows the insurance loss data used by companies for Toyota Sienna vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Values below 100 imply a favorable loss record, while numbers that are greater than 100 indicate more frequent claims or statistically larger claims.

Car Insurance Loss Data for Toyota Sienna Models
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Sienna 2WD 99 88 99 94 98 85
Toyota Sienna 4WD 106 94 102 75 65 73

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When to have guidance from an agent

Some consumers still like to get advice from a local agent and that is OK! Professional insurance agents can help you choose the best coverages and help submit paperwork. An additional benefit of comparing insurance prices online is you may find better rates but still work with a licensed agent. Buying insurance from local insurance agents is especially important in Honolulu.

Insurance agents in HonoluluAfter filling out this form (opens in new window), your coverage information is transmitted to local insurance agents in Honolulu who will give you bids for your coverage. You won’t even need to search for an agent because prices are sent to you. If you want to quote rates from one company in particular, feel free to go to their quote page and complete a quote there.

Do you need an independent or exclusive car insurance agent?

If you would like to find a reputable insurance agent or broker, it helps to know the two types of insurance agents and how they can write your policy. Agents in Honolulu are categorized either independent or exclusive depending on the company they work for. Both types can sell insurance policies, but it’s good to learn how they are different since it may influence your agent selection.

Independent Insurance Agents

These agents are not employed by one company and that gives them the ability to insure with a variety of different insurance companies depending on which coverage is best. If prices rise, the agent simply finds a different carrier which is easy for the insured.

When comparing rates, we recommend you check rates from multiple independent agents for maximum quote selection. A lot of them also have access to smaller companies which could offer lower prices.

Featured below are independent agencies in Honolulu who may provide price quote information.

More insurance agents

Exclusive Insurance Agents

Agents that elect to be exclusive can only quote rates from one company like Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are trained well on what they offer and that can be a competitive advantage. Drivers often use the same agent mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Below is a list of exclusive insurance agents in Honolulu that can give you comparison quotes.

More insurance agents

Picking a car insurance agent should include more criteria than just the bottom line cost. Below are some questions you should ask.

Hawaii car insurance companies ranked

Insuring your vehicle with a high-quality insurance provider is difficult considering how many different companies there are to choose from in Honolulu. The company information shown next could help you pick which insurers to look at purchasing from.

Top 10 Honolulu Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. State Farm – A++
  3. GEICO – A++
  4. Esurance – A+
  5. Nationwide – A+
  6. Allstate – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. AAA Insurance – A
  10. Liberty Mutual – A

Top 10 Honolulu Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. Progressive
  8. Allstate
  9. Nationwide
  10. Liberty Mutual

Quote. Compare. Save.

Drivers leave their current company for a variety of reasons including denial of a claim, lack of trust in their agent, delays in paying claims or even delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company is actually quite simple.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big error on their part. The aim is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Cost effective Toyota Sienna insurance is available on the web as well as from insurance agents, so get free Honolulu auto insurance quotes from both of them to have the best chance of lowering rates. Some auto insurance companies do not offer rate quotes online and usually these smaller companies prefer to sell through local independent agencies.

For more information, feel free to visit the following helpful articles: