Cheapest Chevy Silverado Insurance in Honolulu

Insurance quote for Chevy Silverado in HonoluluThe best way to find discount Chevy Silverado insurance is to make a habit of comparing prices annually from companies that insure vehicles in Honolulu. Rates can be compared by following these steps.

Step 1: Try to learn about what is in your policy and the factors you can control to keep rates down. Many risk factors that are responsible for high rates like traffic tickets, fender benders, and a negative credit rating can be amended by being financially responsible and driving safely.

Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can provide prices for a wide range of insurance providers. Compare rates now

Step 3: Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.

Step 4: Notify your current company to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application to your new agent or company. Once the application is submitted, put the new proof of insurance certificate in your vehicle.

One tip to remember is to use the same level of coverage on every price quote and and to get prices from as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and a thorough price selection.

Unbelievable but true according to a study nearly 70% of customers have stayed with the same insurance company for a minimum of four years, and almost half have never compared quotes from other companies. With the average premium in Hawaii being $962, drivers could save almost $356 every year by just shopping around, but they won’t spend time to compare rate quotes online.

The best way to compare rates for Chevy Silverado insurance in Honolulu is to take advantage of the fact all the major auto insurance companies participate in a system to give rate comparisons. To get started, all you need to do is provide a little information including if you lease or own, the make and model of your vehicles, how your vehicles are used, and whether you have decent credit. Your information is automatically sent to multiple companies and you receive quotes almost instantly.

To start a quote now, click here and enter your coverage details.

The companies in the list below offer free quotes in Hawaii. If the list has multiple companies, we recommend you compare several of them in order to get a fair rate comparison.

Get affordable rates with discounts

Car insurance is neither fun to buy or cheap, but you might find some hidden discounts that many consumers don’t even know exist. Certain reductions will be credited when you purchase, but some discounts are required to be specially asked for before you get the savings. If you are not receiving all the discounts possible, you may be paying too high a price.Car insurance discounts

Discounts save money, but please remember that most discount credits are not given to the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

The chart below shows the difference between Chevy Silverado insurance premiums 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, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, safe-driver, and multi-car discounts applied.

A list of car insurance companies and their offered discounts are:

Before buying, ask all the companies which credits you are entitled to. All car insurance discounts might not be offered in Honolulu. If you would like to see a list of insurers that offer discounts in Hawaii, click this link.

Chevy Silverado insurance rates and statistics

The rate table below covers detailed analysis of policy rates for Chevy Silverado models. Being aware of how car insurance premiums are formulated is important for you to make smart choices when buying a policy.

Chevrolet Silverado Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $100 $164 $308 $18 $92 $682 $57
Silverado LS Regular Cab 4WD $100 $164 $272 $16 $82 $634 $53
Silverado LT Regular Cab 2WD $114 $200 $308 $18 $92 $732 $61
Silverado LT Regular Cab $114 $200 $308 $18 $92 $732 $61
Silverado LS Extended Cab 4WD $114 $200 $272 $16 $82 $684 $57
Silverado LT Extended Cab 4WD $114 $200 $272 $16 $82 $684 $57
Silverado LT Extended Cab 2WD $114 $200 $308 $18 $92 $732 $61
Silverado LS Extended Cab 2WD $114 $200 $308 $18 $92 $732 $61
Silverado LT Crew Cab 4WD $130 $236 $272 $16 $82 $736 $61
Silverado LS Crew Cab 2WD $130 $236 $308 $18 $92 $784 $65
Silverado LS Crew Cab 4WD $130 $236 $272 $16 $82 $736 $61
Silverado LT Crew Cab 2WD $130 $236 $308 $18 $92 $784 $65
Silverado LTZ Extended Cab 2WD $130 $236 $308 $18 $92 $784 $65
Silverado LTZ Extended Cab 4WD $130 $236 $272 $16 $82 $736 $61
Silverado LTZ Crew Cab 2WD $130 $236 $308 $18 $92 $784 $65
Silverado LTZ Crew Cab 4WD $130 $236 $272 $16 $82 $736 $61
Silverado Crew Cab Hybrid 2WD $130 $270 $272 $16 $82 $770 $64
Silverado Crew Cab Hybrid 4WD $144 $270 $272 $16 $82 $784 $65
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can lower or raise prices substantially.

Safe drivers pay less for car insurance

The chart below shows how speeding tickets and at-fault fender-benders raise Chevy Silverado yearly insurance costs for different age categories. The prices are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied.

Do I need an insurance agent?

A small number of people just prefer to have an agent’s advice and that is OK! Insurance agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing rate quotes online is the fact that you can find cheap insurance quotes and still choose a local agent. And providing support for local insurance agencies is still important in Honolulu.

Insurance agents in HonoluluFor easy comparison, once you complete this quick form, the coverage information is sent to local insurance agents in Honolulu who will give you bids to get your business. It simplifies rate comparisons since you won’t have to find an agent on your own since rate quotes are delivered to you directly. In the event you want to get a rate quote for a specific company, just visit that company’s website and fill out the quote form the provide.

If you are wanting to find a good Honolulu insurance agent, there are a couple of types of insurance agents that you can select. Insurance agencies in Honolulu can either be independent (non-exclusive) or exclusive. Either type can do a good job, but it’s important to point out why they differ because it can factor into the type of agent you choose.

Independent Insurance Agencies or Brokers

Agents in the independent channel do not work for one specific company and that is an advantage because they can write policies amongst many companies and find the cheapest rate. If your agent finds better pricing, they can switch companies in-house and the insured can keep the same agent. When comparing insurance rates, you absolutely need to compare prices from at a minimum one independent agency to get the most accurate price comparison.

Featured below are independent agencies in Honolulu who can help you get free insurance quotes.

1350 S King St #303Honolulu, HI 96814(808) 591-5545View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map

1440 Kapiolani Blvd # 950Honolulu, HI 96814(808) 942-5353View Map

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Exclusive Insurance Agencies

Agents in the exclusive channel can only write with one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive agents are highly trained on what they offer which helps them sell insurance even at higher premiums.

Shown below are Honolulu exclusive agents that can give you comparison quotes.

2038 S King StHonolulu, HI 96826(808) 952-5353View Map

1016 Kapahulu Ave #250Honolulu, HI 96816(808) 734-3265View Map

931 University Ave Ste 108Honolulu, HI 96826(808) 944-1854View Map

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Finding the right insurance agent should depend on more than just the quoted price. Below are some questions you should ask.

Upon receiving reasonable responses to your questions in addition to an acceptable price estimate, you’ve probably found a car insurance agent that can properly service your insurance policy.

How to know if you need help

When quoting and comparing insurance from an agent or online for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.Car insurance savings

For example, these questions can help discover if your insurance needs could use an agent’s help.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Save Money with These Tips

It’s important that you understand the different types of things that help determine the rates you pay for insurance. When you understand what determines base rates, this allows you to make good choices that may result in cheaper rates. Multiple criteria are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving record, but other criteria are not quite as obvious such as your credit history or your commute time.

Choosing the best Chevy Silverado insurance in Hawaii is an important decision

Despite the high cost, buying insurance is mandatory in Hawaii but it also protects more than you think.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. Unknowingly, the average driver is wasting up to $869 every year so we recommend shopping around every year to be sure current rates are still competitive.

More comparisons equals cheap rates

Cheap Chevy Silverado insurance in Honolulu is definitely available online as well as from independent agents in Honolulu, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not offer price quotes online and most of the time these smaller companies only sell coverage through local independent agencies.

Consumers switch companies for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, delays in paying claims or policy non-renewal. It doesn’t matter why you want to switch finding a new auto insurance company can be less work than you think.

We just covered many ways to lower your Chevy Silverado insurance premium rates in Honolulu. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from some of the smallest insurance companies.

Much more information about auto insurance in Hawaii can be found on the following sites: