If you want to find the absolute lowest rates, then the best way to get the cheapest Kia Sportage insurance in Honolulu is to regularly compare price quotes from insurance carriers in Hawaii. Price quotes can be compared by following these guidelines.
- Step 1: Gain an understanding of how auto insurance works and the modifications you can make to prevent rate increases. Many risk factors that cause rate increases like high-risk driving behaviors and poor credit can be improved by making minor driving habit or lifestyle changes.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of insurance providers. Get quotes now
- Step 3: Compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
An important part of this process is to try to use similar coverage information on each price quote and and to get rates from every company you can. Doing this enables an accurate price comparison and a complete rate analysis.
It’s amazing but the vast majority of consumers have remained with the same insurance company for at least the last four years, and approximately 38% of consumers have never even shopped around for lower-cost coverage. U.S. consumers could pocket up to $860 a year by just comparing rate quotes, but they won’t spend time to find lower-cost insurance by shopping around.
If you’re already insured or just want to reduce your rates, use these cost-cutting techniques to reduce premiums without reducing protection. These techniques will teach you a little about the best way to buy inexpensive insurance and how you can save the most money. Shoppers just have to use the most time-saving way to compare rates on the web.
The companies in the list below provide quotes in Honolulu, HI. If several companies are displayed, we suggest you visit several of them to get the most competitive price.
Detailed insurance information
The table shown next outlines a range of policy rates for Kia Sportage models. Knowing how insurance policy rates are established can help you make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $198 | $338 | $264 | $16 | $80 | $896 | $75 |
| Sportage LX 2WD 4-Dr | $198 | $338 | $264 | $16 | $80 | $896 | $75 |
| Sportage EX 2WD 4-Dr | $228 | $412 | $264 | $16 | $80 | $1,000 | $83 |
| Sportage LX 4WD 4-Dr | $228 | $412 | $264 | $16 | $80 | $1,000 | $83 |
| Sportage LX | $228 | $412 | $264 | $16 | $80 | $1,000 | $83 |
| Sportage EX 4WD 4-Dr | $228 | $412 | $264 | $16 | $80 | $1,000 | $83 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can influence premiums greatly.
The illustration below shows how choosing a deductible and can increase or decrease Kia Sportage premium costs for different age groups of insureds. The data is based on a married female driver, comp and collision included, and no other discounts are factored in.
Car insurance premiums based on gender
The information below compares Kia Sportage insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are factored in.
Full coverage rates compared to liability-only
The chart below shows the difference between Kia Sportage insurance costs with full physical damage coverage and with liability coverage only. Data assumes no accidents or driving violations, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no set guideline to stop paying for physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Kia Sportage settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after the policy deductible has been paid. If premium cost is more than $800 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are a few cases where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Can’t I compare prices from local Honolulu auto insurance agents?
Many drivers just want to talk to a local agent and that is recommended in a lot of cases Insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of price shopping on the web is the fact that you can find lower car insurance rates and still choose a local agent. Buying insurance from local agencies is important particularly in Honolulu.
Once you complete this quick form, your information is sent to agents in your area who can give free rate quotes for your insurance coverage. You don’t have to search for any insurance agencies due to the fact that quote results will go to your email. If you have a need to get a comparison quote from a specific company, you would need to visit that company’s website and fill out the quote form the provide.
Pick the best car insurance agent in Honolulu for you
If you are wanting to purchase insurance from a reliable agent, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Insurance agents can be categorized as either independent or exclusive. Both types can sell and service insurance coverage, but it’s good to learn the differences because it may have an impact on buying decisions.
Independent Insurance Agencies or Brokers
Agents that elect to be independent are not locked into one company so as a result can place your coverage with lots of companies enabling the ability to shop coverage around. If you want to switch companies, your agent can just switch to a different company which requires no work on your part. If you need cheaper insurance rates, we highly recommend that you include rate quotes from a couple of independent agencies in order to compare the most rates. Most have the option of insuring with smaller mutual companies who may have lower rates.
Shown below is a list of independent insurance agencies in Honolulu who can help you get free insurance rate quotes.
- Rosten Y Tsuha Insurance Agency Inc
1350 S King St #303 – Honolulu, HI 96814 – (808) 591-5545 – View Map - Pyramid Insurance Center Ltd
420 Waiakamilo Rd – Honolulu, HI 96817 – (808) 527-7667 – View Map - Insurance Associates, Inc.
800 Bethel St # 200 – Honolulu, HI 96813 – (808) 538-6938 – View Map
Exclusive Agencies
Agents of this type can only provide pricing for a single company and examples are Allstate, State Farm and Farmers Insurance. These agents are not able to shop your coverage around so keep that in mind. Exclusive insurance agents are trained well on their company’s products which helps them sell on service rather than price. Some insured continue to use the same agent primarily because of the brand name and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive insurance agencies in Honolulu willing to provide price quote information.
- Farmers Insurance Hawaii
Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd – Honolulu, HI 96813 – (808) 533-2444 – View Map - Kelly Harada – State Farm Insurance Agent
1221 Kapiolani Blvd #1015 – Honolulu, HI 96814 – (808) 593-9288 – View Map - Herb Fujikawa – State Farm Insurance Agent
3538 Waialae Ave #205 – Honolulu, HI 96816 – (808) 732-1076 – View Map
Choosing an insurance agency requires you to look at more than just the premium amount. You should also get answers to these questions.
- How would your car be valued if totaled?
- What are the financial ratings for the companies they represent?
- Where would your vehicle be repaired?
- Are they in the agency full-time?
- Can you get a list of referrals?
Best car insurance in Honolulu
Selecting the highest-rated car insurance provider is difficult considering how many companies there are in Honolulu. The rank data shown below could help you choose which car insurance providers you want to consider when comparing rate quotes.
Top 10 Honolulu Car Insurance Companies by A.M. Best Rank
- USAA – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Progressive – A+
- The Hartford – A+
- AAA Insurance – A
- Liberty Mutual – A
Top 10 Honolulu Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- Liberty Mutual – 88%
- Allstate – 88%
- Esurance – 87%
- Progressive – 87%