Ford Explorer Insurance Rate Quotes in Honolulu

Insurance for Ford ExplorerThe preferred way to get cheaper Ford Explorer insurance in Honolulu is to compare prices at least once a year from insurers who provide car insurance in Hawaii. Rate comparisons can be done by following these steps.

First, try to understand coverages and the changes you can make to keep rates in check. Many rating factors that cause rate increases such as speeding and poor credit history can be rectified by being financially responsible and driving safely. Keep reading for additional tips to find cheap rates and find additional discounts you may qualify for.

Second, get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of companies.

Third, compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find a lower rate, verify that coverage does not lapse between policies.

One key aspect when comparing rates is to make sure you enter the same level of coverage on each price quote and and to get price estimates from as many different insurance providers as possible. This provides an apples-to-apples comparison and a complete price analysis.

A recent study showed that the majority of drivers have been with the same company for over three years, and just short of a majority have never even shopped around for cheap coverage. Many consumers in Hawaii could save as much as 40% every year by just shopping around, but most just don’t grasp the large savings they would see if they swap their current policy for a cheaper one.

This information will help you learn how auto insurance companies operate and how to save the most money. If you are already insured, you should be able to get lower rates using the techniques presented in this article. You only need to know the least time-consuming way to get comparison quotes online.

How to shop Ford Explorer insurance online

The following companies offer price comparisons in Honolulu, HI. If the list has multiple companies, we suggest you visit two to three different companies to get a more complete price comparison.

Get discounts on Honolulu auto insurance

Buying auto insurance is not cheap, but there’s a good chance there are discounts that many consumers don’t even know exist. Some trigger automatically at the time you complete a quote, but a few need to be asked for before being credited.Discount auto insurance

We need to note that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, it’s just not the way it works. But all discounts will cut your auto insurance premiums.

The diagram below visualizes the comparison of Ford Explorer annual premium costs with and without discounts being applied to the rates. The costs are based on a male driver, no violations or claims, Hawaii state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, marriage, safe-driver, and claim-free discounts applied.

Large auto insurance companies and a summarized list of policyholder discounts are detailed below.

When getting free Honolulu auto insurance quotes, it’s a good idea to all companies you are considering what discounts are available to you. Savings may not apply to policies in Honolulu. To find insurers with significant discounts in Hawaii, click here.

Rates and other information

The rate information below covers different insurance rates for Ford Explorer models. Having a good grasp of how insurance quotes are determined can help drivers make smart choices when buying a car insurance policy.

Ford Explorer Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $196 $332 $278 $16 $84 $906 $76
Explorer Eddie Bauer 2WD $196 $332 $278 $16 $84 $906 $76
Explorer XLT 4WD $196 $332 $278 $16 $84 $906 $76
Explorer XLT AWD $196 $332 $278 $16 $84 $906 $76
Explorer Eddie Bauer 4WD $222 $404 $278 $16 $84 $1,004 $84
Explorer Eddie Bauer AWD $222 $404 $278 $16 $84 $1,004 $84
Explorer Limited 2WD $222 $404 $278 $16 $84 $1,004 $84
Explorer Limited 4WD $222 $404 $278 $16 $84 $1,004 $84
Explorer Limited AWD $222 $404 $278 $16 $84 $1,004 $84
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower prices substantially.

Informed Decisions Result in Lower Insurance Premiums

Many different elements are used in the calculation when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are less obvious such as whether you are married or how safe your car is. Part of the insurance buying process is learning some of the elements that help determine your premiums. If you understand what determines premiums, this allows you to make educated decisions that can earn you lower rates.

Shown below are most of the major factors that factor into your premiums.

When to have guidance from an insurance agency

A lot of people still prefer to visit with an insurance agent and that can be a smart move Good insurance agents can make sure you are properly covered and help submit paperwork. One of the best bonuses of getting online price quotes is that you can find better rates and still buy from a local agent. Supporting local agencies is definitely important in Honolulu.

After filling out this form (opens in new window), your insurance data is immediately sent to insurance agents in Honolulu that give free quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your computer as quotes are delivered directly to your email. If you need to compare prices from one company in particular, you would need to search and find their rate quote page and fill out their quote form.

Choose an insurance agent wisely

If you are wanting to purchase insurance from a reputable insurance agent or broker, you should know the types of insurance agents and how they operate. Insurance agents can be categorized as either exclusive or independent (non-exclusive). Both sell affordable insurance policies, but it is a good idea to know how they differ because it can impact the type of agent you choose.

Independent Agents (or Brokers)

Agents of this type are not locked into one company so they can insure your vehicles through many companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.

If you need lower rates, you should always include rate quotes from several independent agencies to get the most accurate price comparison.

Below is a small list of independent insurance agents in Honolulu that may be able to give you free insurance rate quotes.

800 Bethel St # 200Honolulu, HI 96813(808) 538-6938View 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 that choose to be exclusive can only provide one company’s prices and some examples include State Farm, AAA, and Liberty Mutual. They usually cannot compare rates from other companies so you might not find the best rates. Exclusive agencies are highly trained in insurance sales which aids in selling service over price.

Below are Honolulu exclusive agencies willing to provide comparison quotes.

560 N Nimitz Hwy #217fHonolulu, HI 96817(808) 524-9997View Map

1313 S Beretania St #100Honolulu, HI 96814(808) 593-8221View Map

841 Bishop St #203Honolulu, HI 96813(808) 531-9918View Map

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Finding the right insurance agency should depend on more than just a low price. You should also get answers to these questions.

If you get answers to your satisfaction as well as offering an affordable quote, you have narrowed it down to an auto insurance agent that is reliable enough to service your policy.

Car insurance companies ranked

Finding the top car insurance provider can be difficult considering how many companies sell insurance in Hawaii. The information below can help you pick which auto insurance companies you want to consider when shopping around.

Top Car Insurance Companies in Hawaii
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Persistence is the key to cheap rates

In this article, we presented some good ideas how you can compare Ford Explorer insurance premium rates in Honolulu. The key thing to remember is the more quotes you get, the better likelihood of getting affordable Ford Explorer insurance quotes. You may even be surprised to find that the most savings is with the least-expected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your objective should be to buy enough coverage for the lowest price and still be able to protect your assets.

More information can be read at the links below