Finding the cheapest insurance for a Chevy City Express in Hawaii can normally be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to shop for insurance and we’ll show you the absolute fastest way to price shop coverage for a Chevy and get the lowest price.
How Car Insurance Companies Determine Chevy City Express Insurance Prices
A large part of saving on insurance is knowing some of the elements that help determine your policy premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that can help you get better insurance rates. Lots of things are used in the calculation when premium rates are determined. Some factors are common sense such as traffic violations, although others are less obvious like your continuous coverage or how safe your car is.
The list below includes some of the major factors companies use to determine rates.
Vehicle risk influences rates – The make and model of the vehicle you are trying to find cheaper insurance for makes a substantial difference in the rate you pay. The lowest base rates will normally be found when insuring low performance passenger cars, but there are many factors that impact the final cost.
The following data uses these assumptions: single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It illustrates Chevrolet City Express car insurance rates compared to other vehicles that have different performance risks.
Remove unneeded extra coverages – Insurance companies have many extra bells and whistles that can add up if you aren’t diligent. Coverage for things like roadside assistance, accident forgiveness, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so think about removing them and cutting costs.
Where you reside can impact rates – Residing in smaller towns and rural areas of the country has definite advantages when insuring your vehicles. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates. People in densely populated areas have to deal with more aggressive driving styles and longer commute times. More time on the road means more chance of being in an accident.
Gender as a rate factor – Over time, data shows that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Males and females are responsible for fender benders at about the same rate, but guys get into accidents with more damage. They also get higher numbers of serious violations like DWI (DUI) or reckless driving.
The illustration below illustrates the comparison of Chevy City Express premium costs for male and female drivers. The premiums assume no violations or accidents, comp and collision included, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Liability protection claims can be big – The liability coverage on your policy provides coverage if ever you are ruled to be at fault for personal injury or accident damage. Liability provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
Age of drivers – Teenage drivers in Hawaii are proven to be inattentive and easily distracted with other occupants in the car so insurance rates are higher. Adding a young driver to your policy will cause a huge premium hike. Mature drivers are shown to be more cautious, cause fewer claims and accidents, and usually have better credit.
The following data is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Low stress employer equals lower rates – Occupations like fire fighters, executives, and emergency personnel tend to pay the highest rates due to intense work requirements and long work hours. On the other hand, jobs such as professors, athletes and the unemployed receive lower rates.
Cars with good safety ratings save money – Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Chevy has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
The most recommended method to compare insurance rates in your area utilizes the fact most of the bigger providers allow for online access to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information like how much education you have, types of safety features, your occupation, and how many miles driven. Your details gets sent immediately to insurance carriers in your area and you get price estimates within a short period of time.
To compare rates for your Chevy City Express now, click here and complete the form.
The providers in the list below offer free rate quotes in Hawaii. If multiple companies are shown, we suggest you get prices from several of them to get a more complete price comparison.
Facts and figures for Chevy City Express insurance
The coverage information below highlights a range of prices for Chevy City Express models. Learning a little about how car insurance premiums are determined can help customers make smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$138||$240||$254||$16||$76||$724||$60|
|City Express Cargo 1500 2WD||$138||$292||$254||$16||$76||$776||$65|
|City Express Cargo 3500 2WD||$160||$292||$254||$16||$76||$798||$67|
|City Express 2500 LT 2WD||$160||$292||$254||$16||$76||$798||$67|
|City Express 2500 2WD||$160||$292||$254||$16||$76||$798||$67|
|City Express 2500 LS 2WD||$160||$292||$254||$16||$76||$798||$67|
|City Express 3500 2WD||$160||$292||$254||$16||$76||$798||$67|
|City Express Cargo 1500 AWD||$160||$292||$254||$16||$76||$798||$67|
|City Express 1500 LS 2WD||$160||$292||$254||$16||$76||$798||$67|
|City Express 1500 LS AWD||$160||$346||$254||$16||$76||$852||$71|
|City Express 1500 AWD||$160||$346||$254||$16||$76||$852||$71|
|City Express 1500 LT 2WD||$160||$346||$254||$16||$76||$852||$71|
|City Express Cargo 1500 Turbo Diesel 2WD||$160||$346||$254||$16||$76||$852||$71|
|City Express Cargo 2500 Turbo Diesel 2WD||$180||$346||$254||$16||$76||$872||$73|
|City Express 3500 LT 2WD||$180||$346||$254||$16||$76||$872||$73|
|City Express 3500 LS 2WD||$180||$346||$254||$16||$76||$872||$73|
|City Express 3500 2WD||$180||$346||$254||$16||$76||$872||$73|
|City Express 1500 LT AWD||$180||$346||$254||$16||$76||$872||$73|
|City Express Cargo 3500 Turbo Diesel 2WD||$180||$346||$254||$16||$76||$872||$73|
|City Express Cargo 1500 Turbo Diesel AWD||$180||$346||$254||$16||$76||$872||$73|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in zip code location which can increase or decrease premiums substantially.
The chart below shows how choosing a deductible and can influence Chevy City Express insurance costs for different age groups. The premiums assume a married female driver, full coverage, and no discounts are applied.
Auto insurance rates are higher with tickets and accidents
The diagram below shows how violations and at-fault accidents raise Chevy City Express yearly insurance costs for different ages of insureds. The premiums assume a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.
Rate difference between full and liability-only coverage
The illustration below illustrates the comparison of Chevy City Express insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Should you be buying full coverage?
There is no exact rule of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s say your Chevy City Express settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after the deductible is paid. If you are currently paying more than $300 a year for full coverage, then you may need to consider dropping full coverage.
There are some circumstances where removing full coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
Insurance just makes sense
Despite the potentially high cost of Chevy City Express insurance, maintaining insurance is required by state law in Hawaii and it also provides benefits you may not be aware of.
- The majority of states have minimum mandated liability insurance limits which means the state requires a specific level of liability protection if you drive a vehicle. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your City Express, it’s most likely the lender will stipulate that you have insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chevy at a much higher rate and force you to reimburse them much more than you were paying before.
- Insurance preserves both your Chevy City Express and your personal assets. It will also pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of having insurance definitely exceed the price paid, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $865 each year so you should quote and compare rates each time the policy renews to make sure the price is not too high.
Save money by taking advantage of discounts
Auto insurance companies do not list every available discount very well, so the list below gives a summary of some of the more common as well as some of the hidden ways to save on auto insurance.
- Honolulu Homeowners Discount – Just being a homeowner may trigger a policy discount on auto insurance because of the fact that having a home is proof that your finances are in order.
- ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
- Good Student Discount – Maintaining excellent grades may save as much as 25% on a Honolulu auto insurance quote. You can use this discount normally until age 25.
- Save with a New Car – Insuring a vehicle that is new can be considerably cheaper because newer vehicles are generally safer.
- Pay Early and Save – If paying your policy premium upfront rather than paying monthly you can avoid the installment charge.
- Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
- Safe Driver Discount – Insureds without accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Military Deployment Discount – Being deployed with a military unit can result in better auto insurance rates.
You can save money using discounts, but most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky.
The example below shows the difference between Chevy City Express yearly insurance costs with and without some available policy discounts. The data assumes a male driver, no claims or driving violations, 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 homeowner, multi-car, multi-policy, claim-free, marriage, and safe-driver discounts applied.
Popular auto insurance companies and a partial list of their discounts are outlined below.
- GEICO may include discounts for membership and employees, seat belt use, multi-policy, good student, defensive driver, anti-lock brakes, and daytime running lights.
- MetLife offers premium reductions for defensive driver, accident-free, multi-policy, claim-free, and good driver.
- Progressive includes discounts for continuous coverage, online signing, multi-policy, multi-vehicle, homeowner, online quote discount, and good student.
- Travelers may have discounts that include good student, hybrid/electric vehicle, early quote, student away at school, and IntelliDrive.
- SAFECO discounts include anti-theft, multi-car, bundle discounts, anti-lock brakes, homeowner, and accident prevention training.
- AAA has savings for good driver, education and occupation, multi-policy, multi-car, anti-theft, pay-in-full, and AAA membership discount.
If you need lower rates, check with every company which discounts you qualify for. Some discounts may not apply to policyholders in Honolulu. To choose insurers that offer discounts in Honolulu, click here to view.
Insurance agents are trained to help
Some people still like to talk to a local agent and doing so can bring peace of mind Good insurance agents are trained risk managers and help you file claims. One of the great benefits of price shopping on the web is that you can find lower premium rates and still have a local agent.
Once you complete this short form, your coverage information is submitted to local insurance agents in Honolulu who will give you quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any insurance agencies as quotes are delivered to you directly. If for some reason you want to get a rate quote from a specific insurance company, just visit that company’s website to submit a rate quote request.
Picking the best provider needs to be determined by more than just a low price. A good agent in Honolulu will have answers to these questions.
- Which companies can they place coverage with?
- What discounts might you be missing?
- Do they reduce claim amounts on high mileage vehicles?
- Does their agency support local causes in Honolulu?
- Do they feel the quoted coverages are adequate?
- Will they take your side in the event of a claim?
Do you need an independent or exclusive auto insurance agent?
If you are searching for a reliable agent, it’s important to understand the types of agencies and how they are slightly different. Insurance agents in Honolulu can be categorized as either exclusive or independent agents depending on their company appointments. Either type can insure your vehicles properly, but it is a good idea to know the subtle differences since it could factor into which agent you choose.
Exclusive Insurance Agents
Agents that choose to be exclusive can only place business with one company like State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are trained well on their company’s products which helps overcome the inability to quote other rates. Consumers sometimes choose to use a exclusive agent partially due to the prominence of the brand and solid financial strength.
Listed below are exclusive insurance agencies in Honolulu willing to provide price quote information.
- State Farm Insurance: Shelli Toguchi-Hadley
4510 Salt Lake Boulevard Unit D15 – Honolulu, HI 96818 – (808) 486-1111 – View Map
- Farmers Insurance Hawaii
Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd – Honolulu, HI 96813 – (808) 533-2444 – View Map
- Doug Kam-Young – State Farm Insurance Agent
2841 Kaonawai Pl – Honolulu, HI 96822 – (808) 988-7011 – View Map
Independent Insurance Agencies
Agents in the independent channel are appointed with more than one company and that enables them to quote your coverage through lots of different companies and find you cheaper rates. To move your coverage to a new company, your policy is moved internally which requires no work on your part.
When comparing insurance rates, you will definitely want to contact several independent insurance agents to get the best comparison. Most have the option of insuring with companies that do not advertise much that may have much lower rates than larger companies.
Below are independent agents in Honolulu that are able to give rate quotes.
- John H Connors Insurance
500 Ala Moana Blvd # 2303 – Honolulu, HI 96813 – (808) 534-7300 – View Map
- Anita Butay Diniega
1088 Bishop St #2210 – Honolulu, HI 96813 – (808) 841-5915 – View Map
- Dongbu Insurance
1440 Kapiolani Blvd # 950 – Honolulu, HI 96814 – (808) 942-5353 – View Map
How to find a good Hawaii car insurance company
Ending up with a high-quality auto insurance company can be challenging considering how many different companies there are to choose from in Hawaii. The rank data below may help you select which insurers to look at when comparing rate quotes.
Top 10 Honolulu Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- Liberty Mutual
Which is the best insurance?
When selecting coverage for your personal vehicles, there really isn’t a one size fits all plan. Everyone’s needs are different so your insurance should reflect that
For instance, these questions might help in determining if your situation might need an agent’s assistance.
- Does coverage extend to Mexico or Canada?
- Can I afford low physical damage deductibles?
- Am I covered by my spouse’s policy after a separation?
- Should I buy additional glass protection?
- What does medical payments coverage do?
- Do I really need UM/UIM coverage?
If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Cheaper auto insurance is a realistic goal
When buying insurance coverage, never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed full coverage only to regret at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
We just presented many ways to reduce Chevy City Express insurance prices online in Honolulu. It’s most important to understand that the more companies you get rates for, the higher your chance of finding inexpensive Honolulu auto insurance quotes. Consumers may even find the lowest prices are with the least-expected company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.
Steps to saving on Chevy City Express insurance in Honolulu
If you want to find the absolute lowest rates, then the best way to get more affordable Chevy City Express insurance in Honolulu is to do a yearly price comparison from providers in Hawaii. You can shop around by following these steps.
Step 1: Spend a few minutes and learn about how companies price auto insurance and the things you can change to lower rates. Many policy risk factors that cause high rates like your driving record and a not-so-good credit rating can be amended by paying attention to minor details.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple insurance companies.
Step 3: Compare the new quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save money and switch companies, verify that coverage does not lapse between policies.
Step 4: Notify your agent or company to cancel your current auto insurance policy. Submit payment and a completed application for your new coverage. As soon as coverage is bound, place your new certificate of insurance somewhere easily accessible.
The most important part of shopping around is that you use identical limits and deductibles on each quote and and to get rate quotes from all possible companies. This guarantees a level playing field and maximum price selection.
To read more, feel free to browse the articles below:
- Insurance Losses by Make and Model (iihs.org)
- Who Has Affordable Honolulu Car Insurance Rates for College Students? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)