Compare Acura RL Insurance Quotes in Honolulu

Discount Acura RL insuranceScraping up a payment for pricey Acura RL insurance in Honolulu can overdraw your savings and force you to cut corners elsewhere. Comparing rate quotes is a smart way to ensure you are getting the best deal.

We don’t have to tell you that auto insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop for lower prices will presumably buy a different policy because the odds are good of finding a lower-cost company. A recent survey discovered that people who compared prices regularly saved over $3,450 over four years as compared to drivers who never shopped around for lower prices.

If finding the lowest rates on insurance in Honolulu is why you’re reading this, then having a good understanding how to compare insurance rates can save time and money.

Lots of car insurance companies contend for your hard-earned dollar, so it can be very hard to choose a insurer to get the lowest price on Acura RL insurance in Honolulu.

It’s a great practice to get comparison quotes occasionally since prices tend to go up over time. Even if you think you had the best quotes on Acura RL insurance in Honolulu at your last renewal you may be paying too much now. You can search a lot of RL insurance on the internet, but in a few minutes you can learn some of the best ways to buy insurance cheaper in Honolulu.

How to compare free Honolulu Acura RL insurance quotes

Just remember that comparing more prices gives you a better chance of getting the best price. Not every company allows you to get rate quotes online, so you need to compare price estimates from the smaller companies as well.

The providers in the list below are ready to provide free rate quotes in Honolulu, HI. If the list has multiple companies, we recommend you get rate quotes from several of them to get a more complete price comparison.

Coverage information

The rate information shown next covers detailed analysis of insurance policy prices for Acura RL models. Having a good grasp of how insurance prices are figured is important to be able to make smart choices when buying a policy.

Acura RL Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $360 $632 $346 $20 $104 $1,462 $122
RL 3.7 with Tech Package $360 $632 $346 $20 $104 $1,462 $122
RL 3.7 with Tech/CMBS Package $360 $632 $346 $20 $104 $1,462 $122
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific Honolulu garaging location which can affect insurance rates considerably.

Policy deductibles

When comparing insurance rates, the most common question is what deductibles to buy. The following tables sum up the costs and benefits when you choose different insurance deductibles. The first data set uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Acura RL insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $284 $528 $264 $16 $80 $1,197 $100
RL 3.7 with Tech Package $284 $528 $264 $16 $80 $1,197 $100
RL 3.7 with Tech/CMBS Package $284 $528 $264 $16 $80 $1,197 $100
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Acura RL insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $230 $426 $264 $16 $80 $1,016 $85
RL 3.7 with Tech Package $230 $426 $264 $16 $80 $1,016 $85
RL 3.7 with Tech/CMBS Package $230 $426 $264 $16 $80 $1,016 $85
Get Your Own Custom Quote Go

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, safe-driver, multi-vehicle, and homeowner. Prices do not factor in Honolulu location which can modify premiums considerably.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $15 more each month or $180 each year averaged for all RL models than choosing the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 17 months between claims, you would save more money if you elect the higher deductible. The illustration below shows an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $100
Average monthly premium for $500 deductibles (subtract): – $85
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you have to file a claim. That will force you to have enough money put aside in the event you have to pay more to get your vehicle repaired.

Lower-cost Honolulu auto insurance rates with discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but a few need to be inquired about before you get the savings. If you are not receiving all the discounts you qualify for, you are just wasting money.Cheaper auto insurance with discounts

Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Just because it seems like you could get a free auto insurance policy, you’re out of luck.

The diagram below illustrates the comparison of Acura RL insurance premiums with and without discounts applied. Data assumes a male driver, a clean driving record, no at-fault accidents, Hawaii state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, claim-free, and safe-driver discounts applied.

Some of the insurance companies that have these discounts possibly include:

Before you buy a policy, ask all the companies which discounts can lower your rates. Savings may not be available in Honolulu. To choose auto insurance companies that have a full spectrum of discounts in Hawaii, click here.

Insurance is an important decision

Even though it can be expensive, insurance serves several important purposes.

First, the majority of states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability in order to drive the car. 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.

Second, if your Acura RL has a lienholder, most lenders will have a requirement that you have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Acura at a much higher rate and require you to fork over the higher price.

Third, insurance protects both your car and your personal assets. It will also cover many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance more than cancel out the cost, specifically if you ever have a liability claim. But the average driver in Hawaii is currently overpaying as much as $855 a year so it’s important to compare rates at every policy renewal to be sure current rates are still competitive.

Which car insurance company is best in Hawaii?

Ending up with a high-quality insurance provider can be difficult considering how many companies there are in Hawaii. The rank data displayed below can help you select which car insurance companies you want to consider purchasing a policy from.

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

Top 10 Honolulu Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 94%
  2. AAA Insurance – 91%
  3. State Farm – 90%
  4. Nationwide – 90%
  5. The Hartford – 89%
  6. GEICO – 89%
  7. Liberty Mutual – 88%
  8. Allstate – 88%
  9. Esurance – 87%
  10. Progressive – 87%

You may want advice from an insurance agency

Certain consumers would prefer to get advice from a local agent and that is not a bad decision One of the best bonuses of comparing rate quotes online is that you can find better rates but still work with a licensed agent. Buying from and supporting local agents is still important in Honolulu.

Honolulu insurance agentsTo make it easy to find an agent, after completing this simple form, your insurance data is sent to companies in Honolulu that can provide free Honolulu car insurance quotes for your insurance coverage. You won’t even need to visit any agencies because quoted prices will be sent to your email. You can most likely find cheaper rates AND an agent nearby. If for some reason you want to get a rate quote for a specific company, don’t hesitate to jump over to their website to submit a rate quote request.

If you prefer to buy insurance from a reputable agency, it can be helpful to understand the different types of agencies and how they can write your policy. Agencies in Honolulu may be either independent agents or exclusive agents.

Independent Agents

These type of agents often have many company appointments so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. If they find a cheaper price, they simply switch companies in-house which requires no work on your part.

If you are comparing rate quotes, you should always get rate quotes from at a minimum one independent agency in order to compare the most rates.

Shown below is a list of independent agents in Honolulu who may provide free price quotes.

1088 Bishop St #2210Honolulu, HI 96813(808) 841-5915View Map

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

500 Ala Moana Blvd # 2303Honolulu, HI 96813(808) 534-7300View Map

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Exclusive Agencies

Agents in the exclusive channel can only provide one company’s prices and examples are Allstate, State Farm and Farmers Insurance. They are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agents are highly trained on their products and sales techniques which helps them sell on service rather than price.

Listed below is a short list of exclusive agents in Honolulu that can give you price quote information.

1580 Makaloa St #102Honolulu, HI 96814(808) 945-0802View Map

Allstate Insurance: Valerie Nagaji
4211 Waialae Ave #8080Honolulu, HI 96816(808) 735-2841View Map

1960 Kapiolani Blvd Ste 208Honolulu, HI 96826(808) 955-9090View Map

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Finding the right insurance agency requires more thought than just a cheap price. These are valid questions to ask:

Upon getting positive feedback to any questions you may have as well as an affordable premium quote, you may have just found a car insurance agent that can be relied on to properly insure your vehicles.