Chevy Suburban Insurance Rate Quotes in Honolulu

Insurance rates Chevy Suburban in HonoluluAre you burned out from sacrificing to pay high insurance rates every month? Your situation is no different than most other drivers in Hawaii.

Inconceivable but true, most drivers have remained with the same insurance company for at least four years, and roughly 40% of drivers have never even compared rates from other companies. Hawaii drivers can save hundreds of dollars each year, but they don’t invest the time required to compare rates online.

Steps to finding more affordable Chevy Suburban insurance in Honolulu

It takes a few minutes, but the best way to get discount Chevy Suburban insurance in Honolulu is to do an annual price comparison from insurance carriers in Hawaii. Drivers can shop around by following these guidelines.

  1. Take a little time to learn about how car insurance works and the measures you can take to lower rates. Many rating criteria that cause rate increases such as traffic citations and an unacceptable credit score can be controlled by making minor changes in your lifestyle. Later in this article we will cover additional tips to get low prices and find missing discounts.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can quote rates for a wide range of companies. Select a company
  3. Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate in Honolulu. If you find better rates and decide to switch, ensure coverage does not lapse between policies.

An important part of this process is that you use similar coverage information on every price quote and and to look at all possible companies. This ensures an apples-to-apples comparison and and a good selection of different prices.

Numerous car insurance companies battle for your business, so it’s not easy to compare every company to find the absolute best rates possible on Chevy Suburban insurance in Honolulu.

You need to do rate comparisons quite often since insurance prices are usually higher with each renewal. Just because you found the lowest price on Chevy Suburban insurance in Honolulu six months ago you will most likely find a better rate quote today. Ignore everything you know about insurance because it’s time to teach you the proper way to save money, get proper coverage and the best rates.

Best companies for Chevy Suburban insurance

The companies shown below offer free rate quotes in Honolulu, HI. If multiple companies are listed, it’s a good idea that you compare several of them to get a more complete price comparison.

Rate information and statistics

The price information displayed next highlights a range of insurance prices for Chevy Suburban models. Learning more about how auto insurance premiums are determined helps drivers make smart choices when choosing a car insurance company.

Chevrolet Suburban Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $286 $506 $358 $22 $106 $1,278 $107
Suburban LT 2WD $286 $506 $358 $22 $106 $1,278 $107
Suburban LS 4WD $286 $506 $358 $22 $106 $1,278 $107
Suburban LT 4WD $286 $506 $358 $22 $106 $1,278 $107
Suburban LTZ 2WD $286 $596 $358 $22 $106 $1,368 $114
Suburban LTZ 4WD $318 $596 $358 $22 $106 $1,400 $117
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in your specific Honolulu location which can increase or decrease auto insurance rates considerably.

Choosing deductibles

A question often asked by Honolulu drivers is how high should your deductibles be. The comparison tables below sum up the differences in price when you select higher and lower physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Chevrolet Suburban insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $230 $344 $264 $16 $80 $959 $80
Suburban LT 2WD $230 $344 $264 $16 $80 $959 $80
Suburban LS 4WD $230 $344 $264 $16 $80 $959 $80
Suburban LT 4WD $230 $344 $264 $16 $80 $959 $80
Suburban LTZ 2WD $230 $406 $264 $16 $80 $1,021 $85
Suburban LTZ 4WD $258 $406 $264 $16 $80 $1,049 $87
Get Your Own Custom Quote Go

Chevrolet Suburban insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $188 $278 $264 $16 $80 $826 $69
Suburban LT 2WD $188 $278 $264 $16 $80 $826 $69
Suburban LS 4WD $188 $278 $264 $16 $80 $826 $69
Suburban LT 4WD $188 $278 $264 $16 $80 $826 $69
Suburban LTZ 2WD $188 $328 $264 $16 $80 $876 $73
Suburban LTZ 4WD $210 $328 $264 $16 $80 $898 $75
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in vehicle garaging location which can change auto insurance rates considerably.

Based on these figures, using a $250 deductible costs about $11 more each month or $132 for a full year than opting for the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 23 months between claim filings, you would save more money if you elect the higher deductible. Below is an example of how this determination is made.

Average monthly premium for $250 deductibles: $82
Average monthly premium for $500 deductibles (subtract): – $71
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important thing to remember is that raising deductibles results in a higher out-of-pocket expense at claim time. You must have some funds available in order to pay the deductible.

Car insurance rates are higher with tickets and accidents

The example below highlights how speeding tickets and at-fault fender-benders drive up Chevy Suburban insurance costs for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Difference between liability only and full coverage rates

The illustration below visualizes the comparison of Chevy Suburban auto insurance costs when comparing full coverage to state minimum liability only. The premiums assume no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are applied to the premium.

When to drop comprehensive and collision coverage

There is no clear-cut rule of when to exclude comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Chevy Suburban claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying more than $700 a year to have full coverage, then you might consider buying liability only.

There are a few cases where buying only liability insurance is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Take policy discounts and save on Chevy Suburban insurance in Honolulu

Companies that sell car insurance do not list their entire list of discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known discounts that you can inquire about if you buy Honolulu car insurance online.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works.

The illustration below compares Chevy Suburban insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, no accidents or driving violations, Hawaii state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-policy, homeowner, and multi-car discounts applied.

A list of auto insurance companies and some of their more popular discounts are outlined below.

Before buying, ask every prospective company to apply every possible discount. All car insurance discounts may not be available everywhere. To view companies that provide some of the discounts listed above in Hawaii, follow this link.

Can’t I get rate quotes from local Honolulu insurance agencies?

Some consumers still prefer to talk to a local agent and that can be a smart move One of the best bonuses of comparing insurance prices online is that you can find cheaper premium rates but also keep your business local.

Insurance agents in HonoluluAfter completing this short form, your information is emailed to local insurance agents in Honolulu who will give competitive quotes to get your business. It makes it easy because there is no need to contact any agents since price quotes are sent to you instantly. You can find the lowest rates without a big time investment. If you want to get a price quote from a particular provider, you can always search and find their rate quote page and complete a quote there.

Deciding on a insurer requires you to look at more than just a cheap quote. Agents should be asked these questions:

Two different types of auto insurance agents

When narrowing the list to find a local insurance agency, you must know there are a couple different types of agents and how they can service your needs differently. Insurance agencies in Honolulu are categorized either independent agents or exclusive agents.

Exclusive Agents

Exclusive insurance agents are contracted to one company and examples are Farmers Insurance or State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on sales techniques which helps them sell on service rather than price.

Listed below are Honolulu exclusive agents that can give you rate quotes.

600 Kapiolani Blvd #210Honolulu, HI 96813(808) 599-7666View Map

1125 N King St #303Honolulu, HI 96817(808) 254-7028View Map

2024 N King St #101bHonolulu, HI 96819(808) 842-5844View Map

More insurance agents

Independent Agents (or Brokers)

Independent agents do not sell for just one brand and that is an advantage because they can write policies through many different insurance companies and find you the best rates. If they find a lower price, your agent can switch companies and you don’t have to find a new agent.

If you need cheaper insurance rates, it’s a good idea to get some free quotes from several independent insurance agents so that you have a good selection of quotes to compare.

The following is a list of independent agents in Honolulu that can give you price quotes.

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

1022 Bethel StHonolulu, HI 96813(808) 643-4000View Map

800 Bethel St # 200Honolulu, HI 96813(808) 538-6938View Map

More insurance agents

Get the best coverage at the best price

Budget-friendly car insurance in Honolulu is available from both online companies and with local Honolulu insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not provide rates over the internet and usually these regional carriers work with independent agents.

You just read some good ideas how you can compare Chevy Suburban insurance rates in Honolulu. The most important thing to understand is the more price quotes you have, the higher your chance of finding inexpensive Honolulu car insurance quotes. Consumers could even find that the lowest rates are with some of the lesser-known companies. They may often insure only within specific states and give better rates than their larger competitors like GEICO and State Farm.

How to buy discount Chevy Suburban insurance in Honolulu

To save the most money, the best way to get more affordable car insurance rates in Honolulu is to compare prices annually from providers that sell auto insurance in Hawaii.

First, take a little time to learn about coverages and the things you can control to prevent rate increases. Many rating criteria that drive up the price such as traffic tickets, fender benders, and your credit history can be improved by making lifestyle changes or driving safer.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agents can quote prices from many different companies. View insurance agents

Third, compare the quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote, make sure there is no lapse in coverage.

A good tip to remember is that you’ll want to make sure you compare similar coverage information on each quote and and to get price quotes from as many carriers as you can. This provides a fair price comparison and the best price selection.

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