If you’re new to shopping for Honolulu car insurance quotes online, you can be confused thanks to all the different types of online companies vying for business in Honolulu.
Steps to finding cheaper GMC Sierra 3500HD insurance in Honolulu
If saving the most money is your goal, then the best way to find affordable quotes for auto insurance rates in Honolulu is to start comparing prices regularly from different companies in Hawaii. Prices can be compared by following these steps.
Step 1: Read and learn about what coverages are included in your policy and the factors you can control to lower rates. Many risk factors that result in higher rates like multiple speeding tickets and an unfavorable credit rating can be eliminated by making lifestyle changes or driving safer.
Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple insurance companies.
Step 3: Compare the new rates to the price on your current policy to see if you can save by switching companies. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
The most important part of shopping around is that you’ll want to compare the same coverage limits and deductibles on every quote and and to look at all possible companies. Doing this guarantees a fair price comparison and a complete rate analysis.
It’s easy to assume that car insurance companies want to keep you from comparing prices. Drivers who shop around for the cheapest price will most likely switch companies because there is a high probability of finding a policy with more affordable rates. A survey found that drivers who made a habit of comparing rates saved over $860 a year as compared to drivers who never shopped around.
If finding the lowest price for insurance is why you’re here, then having some insight into how to get price quotes and compare coverage rates can save money and time.
It’s important to do rate comparisons at least once a year because insurance rates tend to go up over time. Even if you got the lowest premium rates on GMC Sierra 3500HD insurance in Honolulu a few years ago you will most likely find a better price today. Don’t believe everything you read about Sierra 3500HD insurance on the web, but in this article, you’re going to get some excellent ideas to put money back in your pocket.
Locating the most cost-effective car insurance policy in Honolulu is quite easy if you know the best way to do it. Virtually each driver who is looking for cheaper car insurance stands a good chance to find a better price. Although Hawaii drivers need to learn how companies calculate their prices because rates fluctuate considerably.
Companies offering GMC Sierra 3500HD insurance in Honolulu
The providers in the list below offer comparison quotes in Honolulu, HI. If multiple companies are listed, it’s a good idea that you visit several of them in order to find the lowest rates.
Rates and other information
The coverage information shown next showcases estimates of rate quotes for GMC Sierra 3500HD models. Having knowledge of how insurance quotes are established is important for you to make smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra 3500HD SLE Regular Cab 2WD||$160||$272||$248||$14||$74||$768||$64|
|Sierra 3500HD SLE Regular Cab 4WD||$160||$312||$312||$18||$94||$896||$75|
|Sierra 3500HD SLE Crew Cab 2WD||$160||$272||$248||$14||$74||$768||$64|
|Sierra 3500HD SLE Extended Cab 2WD||$160||$272||$248||$14||$74||$768||$64|
|Sierra 3500HD SLE Extended Cab 4WD||$160||$312||$312||$18||$94||$896||$75|
|Sierra 3500HD SLE Crew Cab 4WD||$160||$312||$312||$18||$94||$896||$75|
|Sierra 3500HD SLT Extended Cab 2WD||$160||$272||$248||$14||$74||$768||$64|
|Sierra 3500HD SLT Crew Cab 4WD||$160||$312||$312||$18||$94||$896||$75|
|Sierra 3500HD SLT Extended Cab 4WD||$160||$312||$312||$18||$94||$896||$75|
|Sierra 3500HD SLT Crew Cab 2WD||$178||$312||$248||$14||$74||$826||$69|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in specific Honolulu garaging location which can change insurance rates substantially.
The diagram below demonstrates how deductibles and can impact GMC Sierra 3500HD insurance rates for different insured age categories. The premiums assume a married female driver, comp and collision included, and no policy discounts are applied.
Difference between full coverage and liability only rates
The illustration below shows the comparison of GMC Sierra 3500HD auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are applied.
When to drop comp and collision
There is no written rule to eliminate full coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your GMC Sierra 3500HD settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying your deductible. If you are paying over $600 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Do you qualify for discounts?
Auto insurance is expensive, but you can get discounts that may help make it more affordable. Some trigger automatically at the time you complete a quote, but some discounts are required to be manually applied before you get the savings.
- Sign Online – A handful of insurance companies may give you up to $50 simply for signing over the internet.
- Safety Course Discount – Participating in a driver safety class could earn you a small percentage discount and also improve your driving technique.
- Distant Student Discount – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.
- Drive Less and Save – Maintaining low annual mileage may enable drivers to earn cheaper rates.
- 55 and Retired – Seniors could receive lower premium rates.
- Honolulu Homeowners Pay Less – Owning a home in Honolulu can earn you a little savings because owning a home demonstrates responsibility.
You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.
The information below shows the comparison of GMC Sierra 3500HD insurance costs with and without discounts applied to the rates. The costs are based on a female driver, a clean driving record, no claims, Hawaii state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, claim-free, and homeowner discounts applied.
A partial list of companies that may have most of the discounts above include:
If you want inexpensive Honolulu car insurance quotes, ask every company which credits you are entitled to. Some credits might not be available to policyholders in Honolulu. To find insurance companies who offer cheap GMC Sierra 3500HD insurance quotes in Honolulu, click here to view.
How Car Insurance Companies Calculate GMC Sierra 3500HD Insurance Premiums
An important part of buying insurance is that you know the factors that help determine the price you pay for car insurance. When consumers understand what influences your rates, this enables informed choices that may reward you with big savings. Many different elements are used when pricing auto insurance. Some are obvious such as your driving record, but others are more transparent such as whether you are married and annual miles driven.
Only buy coverage you need – There are quite a few additional extra coverages that can add up if you aren’t diligent. Things like rental car coverage, better glass coverage, and term life insurance may not be needed and are just wasting money. They may sound like good ideas when buying your policy, but if they’re wasting money consider taking them off your policy.
Insurance companies don’t like frequent car insurance claims – Companies in Hawaii give discounts to policyholders who are not frequent claim filers. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for the large, substantial claims.
Do you work long hours in a stressful employer? – Occupational choices like judges, executives, and dentists are shown to have higher premiums than the average policyholder due to job stress and lots of time spent at work. On the other hand, jobs such as actors, engineers and performers pay the least.
Women tend to take less risk – Over time, data shows women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Males and females are in accidents at about the same rate, but males cause more damage. Not only are claims higher, but men receive more costly citations such as DWI and reckless driving.
The diagram below visualizes the comparison of GMC Sierra 3500HD yearly insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are factored in.
Insurance agents can give valuable advice
Some consumers still like to talk to a local agent and that is just fine! An additional benefit of comparing rates online is the fact that you can find the best rates and still have an agent to talk to.
After filling out this simple form, the coverage information is instantly submitted to local insurance agents that can give you free Honolulu car insurance quotes for your car insurance coverage. You won’t even need to contact any insurance agencies because quoted prices will be sent to the email address you provide. You can find better rates and work with a local agent. If you want to get a rate quote from a specific car insurance provider, feel free to go to their quote page and complete a quote there.
Picking the best company is decision based upon more than just the quoted price. Before buying a policy in Honolulu, get answers to these questions.
- Will they take your side in the event of a claim?
- Which insurance company do they prefer to write with?
- Will your rates increase after a single accident?
- What insurance companies do they recommend if they are an independent agent?
- Are they actively involved in the community?
- Can you use your own choice of collision repair facility?
If you would like to find a good Honolulu insurance agent, there are a couple of types of agencies and how they can quote your rates. Insurance agencies in Honolulu can be categorized as either exclusive or independent (non-exclusive).
Agents in the exclusive channel are contracted to one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide other company’s prices so they have to upsell other benefits. Exclusive agents are usually quite knowledgeable on the products they sell and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents mostly because of loyalty to the company rather than low price.
Shown below is a list of exclusive agents in Honolulu who may provide you with price quotes.
- Farmers Insurance Hawaii
Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd – Honolulu, HI 96813 – (808) 533-2444 – View Map
- Scott Saito – State Farm Insurance Agent
1150 S King St #901d – Honolulu, HI 96814 – (808) 946-8464 – View Map
- Allstate Insurance: Dan Y.W. Au Hoy
931 University Ave Ste 108 – Honolulu, HI 96826 – (808) 944-1854 – View Map
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company and that gives them the ability to insure with an assortment of companies and find you cheaper rates. To move your coverage to a new company, the business is moved internally and that require little work on your part. If you need cheaper car insurance rates, it’s recommended you get insurance quotes from several independent agencies to ensure the widest selection of prices. They also have the ability to place coverage with mutual insurance companies which can save you money.
The following are Honolulu independent agencies that are able to give price quote information.
- Dongbu Insurance
1440 Kapiolani Blvd # 950 – Honolulu, HI 96814 – (808) 942-5353 – View Map
- Atlas Insurance
1132 Bishop St #1600 – Honolulu, HI 96813 – (808) 533-8728 – View Map
- Royal State National Insurance Company
819 S Beretania St – Honolulu, HI 96813 – (808) 539-1600 – View Map
If you get good responses and the cheapest GMC Sierra 3500HD insurance in Honolulu quotes, you may have found a car insurance agent that meets the requirements to properly service your car insurance policy. Just be aware that consumers can terminate your policy for any reason so don’t think that you are permanently stuck with any particular company for a certain time period.
Persistence is the key to affordable rates
When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced full coverage only to discover later that it was a big mistake. Your strategy should be to find the BEST coverage at an affordable rate and still be able to protect your assets.
Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, an unsatisfactory settlement offer and delays in paying claims. It doesn’t matter why you want to switch choosing a new company is easier than you think.
Cheap GMC Sierra 3500HD insurance in Honolulu is possible on the web in addition to many Honolulu insurance agents, so you need to shop Honolulu car insurance with both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and usually these small, regional companies only sell coverage through independent agents.
Steps to finding low-cost rates for GMC Sierra 3500HD insurance in Honolulu
The best way we recommend to get affordable GMC Sierra 3500HD insurance is to regularly compare prices from different companies that sell auto insurance in Honolulu. Rate comparisons can be done by following these guidelines.
First, try to learn a little about the different coverages in a policy and the changes you can make to drop your rates. Many risk factors that increase rates such as accidents, traffic violations, and bad credit can be improved by making minor changes to your lifestyle.
Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple companies.
Third, compare the new rates to the premium of your current policy to see if you can save by switching companies. If you find a better price and switch companies, make sure there is no lapse in coverage.
Fourth, give proper notification to your current agent or company of your intent to cancel your current car insurance policy. Submit a completed application and payment to the new company. Once the application is submitted, put the certificate of insurance with the vehicle registration.
A key point to remember is that you’ll want to make sure you compare the same deductibles and limits on every price quote and and to compare as many companies as possible. This guarantees a fair rate comparison and plenty of rates choose from.
For more information, feel free to visit these articles:
- What is a Telematics Device? (Allstate)
- How Much are Car Insurance Rates for a Learners Permit in Honolulu? (FAQ)
- Who Has Affordable Car Insurance for High School Students in Honolulu? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Event Data Recorders FAQ (iihs.org)