Compare Hyundai Santa Fe Insurance Rates in Honolulu

Tired of sacrificing other expenses each month for auto insurance? You have the same problem as millions of other drivers.

Insurance rates Hyundai Santa Fe in HonoluluRegrettably, the vast majority of consumers have remained with the same auto insurance company for over three years, and almost 40% of drivers have never even shopped around for cheaper coverage. Consumers in Hawaii could save an average of about 40% each year, but most undervalue the actual amount they would save if they just switched companies.

How to find cheaper quotes for Hyundai Santa Fe insurance in Honolulu

The easiest way to get discount Hyundai Santa Fe insurance in Honolulu is to start comparing prices yearly from providers who can sell car insurance in Hawaii.

One key aspect of rate comparisons is to compare identical deductibles and limits on every quote and to quote with as many car insurance companies as possible. This enables the most accurate price comparison and maximum price selection.

Drivers have multiple insurers to purchase coverage from, and although it’s a good thing to be able to choose, it makes it harder to compare rates for Hyundai Santa Fe insurance in Honolulu.

It’s a good idea to compare prices as often as possible since insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates on Hyundai Santa Fe insurance in Honolulu on your last policy the chances are good that you can find a lower rate quote today. Forget all the misinformation about auto insurance because you’re about to learn the easiest way to lower your rates without sacrificing coverage.

The quickest method to get policy rate comparisons for Hyundai Santa Fe insurance in Honolulu is to understand most larger insurance companies will pay a fee to give rate comparisons. The only thing you need to do is provide information such as if a SR-22 is required, how much school you completed, if you have a valid license, and whether your vehicle is owned or leased. That rating data is then submitted to multiple insurance providers and you get price estimates very quickly.

To find the cheapest Hyundai Santa Fe insurance rates, click here and find out if lower rates are available in Honolulu.

The companies in the list below provide free rate quotes in Hawaii. If multiple companies are listed, it’s highly recommended you visit several of them to get the lowest price.

Lower-cost Hyundai Santa Fe insurance in Honolulu

Companies offering auto insurance don’t always list their entire list of discounts very clearly, so the next list breaks down both well-publicized and also the more inconspicuous discounts that you may qualify for.Cheaper auto insurance with discounts

You can save money using discounts, but some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, that’s just not realistic.

The example below illustrates the comparison of Hyundai Santa Fe car insurance rates with and without discounts applied to the rates. The premiums assume a male driver, no violations or claims, Hawaii state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, safe-driver, and multi-policy discounts applied.

If you would like to view insurers with discount rates in Honolulu, follow this link.

Car insurance data for a Hyundai Santa Fe

The premium information displayed next covers different policy rates for Hyundai Santa Fe models. Having a better understanding of how insurance rates are established is important for you to make decisions when shopping your coverage around.

Hyundai Santa Fe Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $140 $314 $344 $20 $104 $922 $77
Santa Fe GLS 4WD $160 $314 $344 $20 $104 $942 $79
Santa Fe SE 2WD $160 $314 $344 $20 $104 $942 $79
Santa Fe Limited 2WD $160 $370 $344 $20 $104 $998 $83
Santa Fe SE 4WD $160 $370 $344 $20 $104 $998 $83
Santa Fe Limited 4WD $180 $370 $344 $20 $104 $1,018 $85
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Estimates do not factor in zip code location which can impact premiums significantly.

How high should deductibles be?

One common question asked by Honolulu drivers is what deductibles to buy. The premium rates below help summarize the cost difference of buying low and high comp and collision deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Hyundai Santa Fe insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $198 $412 $264 $16 $80 $995 $83
Santa Fe GLS 4WD $228 $412 $264 $16 $80 $1,025 $85
Santa Fe SE 2WD $228 $412 $264 $16 $80 $1,025 $85
Santa Fe Limited 2WD $228 $484 $264 $16 $80 $1,097 $91
Santa Fe SE 4WD $228 $484 $264 $16 $80 $1,097 $91
Santa Fe Limited 4WD $258 $484 $264 $16 $80 $1,127 $94
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Hyundai Santa Fe insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Santa Fe GLS 2WD $110 $216 $264 $16 $80 $686 $57
Santa Fe GLS 4WD $126 $216 $264 $16 $80 $702 $59
Santa Fe SE 2WD $126 $216 $264 $16 $80 $702 $59
Santa Fe Limited 2WD $126 $256 $264 $16 $80 $742 $62
Santa Fe SE 4WD $126 $256 $264 $16 $80 $742 $62
Santa Fe Limited 4WD $142 $256 $264 $16 $80 $758 $63
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in your specific Honolulu location which can impact insurance rates greatly.

We can estimate from the data above that using a $100 deductible would cost the average driver about $28 more each month or $336 annually than selecting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 32 months between claim filings, you would save money by going with a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $88
Average monthly premium for $1,000 deductibles (subtract): – $60
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 32 months

One thing to be aware of is that raising deductibles results in having to pay to pay more out-of-pocket at claim time. That will require enough savings in the event you have to pay the deductible to have repairs made.

Comparison of car insurance rates by age and gender

The diagram below shows the comparison of Hyundai Santa Fe insurance prices for male and female drivers. The prices are based on no claims or violations, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Hyundai Santa Fe Insurance Price Factors

Many different elements are part of the calculation when quoting car insurance. Some factors are common sense like your driving record, although some other factors are not quite as obvious such as whether you are married or your commute time. An important part of buying insurance is that you know some of the things that play a part in calculating the level of your policy premiums. When consumers understand what determines premiums, this allows you to make good choices that may reward you with lower rates.

Local Honolulu insurance agents

A small number of people would rather buy from a licensed agent and that can be a great decision One of the benefits of comparing rates online is the fact that you can find lower car insurance rates but also keep your business local. And providing support for neighborhood insurance agencies is important particularly in Honolulu.

After completing this quick form, the coverage information is emailed to agents in your area who can give free rate quotes for your auto insurance coverage. You never need to do any legwork since rate quotes are delivered straight to your inbox. Get lower rates AND an agent nearby. If you need to compare prices for a specific company, feel free to visit that company’s website and give them your coverage information.

Pick the best auto insurance agent in Honolulu for you

When searching for a good Honolulu insurance agent, you need to know there are two different types of agencies and how they can quote your rates. Agents can be classified as either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agents

Agents in the independent channel are not restricted to one company and that allows them to write policies through lots of different companies and potentially find a lower price. If they find a lower price, your agent can switch companies which is easy for the insured. When comparing auto insurance rates, you should always get rate quotes from at least one independent agent to get the most accurate price comparison.

Featured below is a short list of independent insurance agencies in Honolulu who may be able to give you rate quotes.

1132 Bishop St #1600Honolulu, HI 96813(808) 533-8728View Map

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

819 S Beretania StHonolulu, HI 96813(808) 539-1600View Map

View more Honolulu agents

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with such as Farmers Insurance or State Farm. They usually cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.

Listed below is a short list of exclusive agencies in Honolulu that are able to give rate quotes.

1806 S King St Ste 32Honolulu, HI 96826(808) 941-2886View Map

1575 S Beretania St Ste 203Honolulu, HI 96826(808) 944-3450View Map

1370 N King StHonolulu, HI 96817(808) 845-9026View Map

View more Honolulu agents

Choosing an auto insurance agent shouldn’t rely on just the quoted price. Some important questions to ask are:

After receiving reasonable responses to these questions and locked in a price quote, most likely you have located an auto insurance agent that is professional and can provide auto insurance coverage.

What is YOUR best insurance company?

Throughout this article, we presented many tips how you can lower your Hyundai Santa Fe insurance prices in Honolulu. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost Honolulu auto insurance quotes. You may even be surprised to find that the best prices are with the least-expected company. Some small companies may often insure only within specific states and give better rates as compared to the big name companies such as Progressive or GEICO.

As you quote Honolulu auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price and still be able to protect your assets.

There are still a few companies who do not provide rate quotes online and most of the time these small, regional companies sell through independent agencies. Lower-priced car insurance in Honolulu can be purchased both online and also from your neighborhood Honolulu agents, and you should compare rates from both in order to have the best price selection to choose from.

Steps to finding affordable Hyundai Santa Fe insurance in Honolulu

The preferred way to get more affordable Hyundai Santa Fe insurance in Honolulu is to regularly compare price quotes from different companies who provide auto insurance in Hawaii. Price quotes can be compared by following these guidelines.

First, spend some time learning about what is in your policy and the measures you can control to drop your rates. Many policy risk factors that drive up the price like multiple speeding tickets and an unacceptable credit history can be controlled by making minor driving habit or lifestyle changes.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agents can quote prices from multiple sources.

Third, compare the price quotes to your existing coverage and see if there is a cheaper rate in Honolulu. If you can save some money, make sure there is no coverage gap between policies.

Fourth, provide notification to your current company to cancel your current auto insurance policy. Submit a down payment along with a signed application to the new company. As soon as coverage is bound, store the proof of insurance paperwork in an easily accessible location in your vehicle.

One thing to remember is to try to use the same liability limits and deductibles on each price quote and and to compare as many car insurance companies as possible. Doing this enables a level playing field and plenty of rates choose from.

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