Affordable Insurance for a Ford Ranger in Honolulu

It’s astonishing, but nearly 70% of customers have been with the same company for over three years, and about 40% of consumers have never even compared quotes to find lower-cost rates. Hawaii insurance shoppers could save themselves about 40% a year by just comparing rate quotes, but they don’t know the amount of money they would save if they switched to a more affordable policy.

Insurance quote for Ford Ranger in HonoluluThe best way to find lower priced Ford Ranger insurance in Honolulu is to start doing an annual price comparison from companies in Hawaii. Prices can be compared by following these guidelines.

One piece of advice is to compare similar limits and deductibles on every quote and and to get quotes from every company you can. Doing this guarantees an apples-to-apples comparison and a better comparison of the market.

Locating the best rates in Honolulu can initially seem challenging. If you have coverage now, you will surely be able to cut your premiums using this information. Shoppers just need to understand the most time-saving way to find the lowest price using one simple form.

The most recommended method to compare policy rates for Ford Ranger insurance in Honolulu is to understand most of the bigger providers allow for online access to provide you with free rate quotes. The one thing you need to do is provide details like your credit rating estimate, if you went to college, whether you drive to work or school, and marital status. Your insurance information gets sent immediately to many of the top insurers and you should receive rate quotes very quickly.

To find lower affordable Ford Ranger insurance rates now, click here and enter your coverage details.

The companies shown below provide free rate quotes in Hawaii. If more than one company is shown, we recommend you visit two to three different companies to find the most competitive auto insurance rates.

Auto insurance policy discounts you can’t miss

Car insurance companies don’t always advertise every discount available very clearly, so we researched a few of the more common and the harder-to-find credits available to lower your premiums when you buy Honolulu car insurance online.Auto insurance discounts

As a footnote on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.

The information below shows the comparison of Ford Ranger auto insurance rates with and without discounts. The premiums assume a male driver, no accidents, no driving violations, Hawaii state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, safe-driver, marriage, and multi-car discounts applied.

Some of the larger companies that have some of the above discounts include:

It’s a good idea to ask every insurance company to give you their best rates. Some discounts may not be available in Honolulu. If you would like to view providers with significant discounts in Honolulu, click this link.

Data for Ford Ranger insurance

The premium information below covers different insurance coverage prices for Ford Ranger models. Having a good understanding how car insurance premiums are determined can help guide drivers when making decisions when choosing a new policy provider.

Ford Ranger Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $146 $332 $278 $16 $84 $856 $71
Ranger XL SuperCab 2WD $170 $332 $278 $16 $84 $880 $73
Ranger XLT 2WD $170 $332 $278 $16 $84 $880 $73
Ranger XL 2WD $170 $332 $278 $16 $84 $880 $73
Ranger XL SuperCab 4WD $170 $332 $278 $16 $84 $880 $73
Ranger XLT SuperCab 2WD $170 $404 $278 $16 $84 $952 $79
Ranger Sport SuperCab 2WD $170 $404 $278 $16 $84 $952 $79
Ranger Sport SuperCab 4WD $170 $404 $278 $16 $84 $952 $79
Ranger XLT SuperCab 4WD $170 $404 $278 $16 $84 $952 $79
Ranger Sport SuperCab 2WD $170 $404 $278 $16 $84 $952 $79
Ranger XLT SuperCab 2WD $170 $404 $278 $16 $84 $952 $79
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Cost estimates assume 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. Premium amounts do not factor in specific location information which can modify insurance rates significantly.

Higher deductibles lower rates

One frequently asked question is what deductibles to buy. The following insurance rates illustrate the cost difference between high and low insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Ford Ranger insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $152 $284 $264 $16 $80 $821 $68
Ranger XL SuperCab 2WD $178 $284 $264 $16 $80 $847 $71
Ranger XLT 2WD $178 $284 $264 $16 $80 $847 $71
Ranger XL 2WD $178 $284 $264 $16 $80 $847 $71
Ranger XL SuperCab 4WD $178 $284 $264 $16 $80 $847 $71
Ranger XLT SuperCab 2WD $178 $344 $264 $16 $80 $907 $76
Ranger Sport SuperCab 2WD $178 $344 $264 $16 $80 $907 $76
Ranger Sport SuperCab 4WD $178 $344 $264 $16 $80 $907 $76
Ranger XLT SuperCab 4WD $178 $344 $264 $16 $80 $907 $76
Ranger Sport SuperCab 2WD $178 $344 $264 $16 $80 $907 $76
Ranger XLT SuperCab 2WD $178 $344 $264 $16 $80 $907 $76
Get Your Own Custom Quote Go

Ford Ranger insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $124 $228 $264 $16 $80 $712 $59
Ranger XL SuperCab 2WD $144 $228 $264 $16 $80 $732 $61
Ranger XLT 2WD $144 $228 $264 $16 $80 $732 $61
Ranger XL 2WD $144 $228 $264 $16 $80 $732 $61
Ranger XL SuperCab 4WD $144 $228 $264 $16 $80 $732 $61
Ranger XLT SuperCab 2WD $144 $278 $264 $16 $80 $782 $65
Ranger Sport SuperCab 2WD $144 $278 $264 $16 $80 $782 $65
Ranger Sport SuperCab 4WD $144 $278 $264 $16 $80 $782 $65
Ranger XLT SuperCab 4WD $144 $278 $264 $16 $80 $782 $65
Ranger Sport SuperCab 2WD $144 $278 $264 $16 $80 $782 $65
Ranger XLT SuperCab 2WD $144 $278 $264 $16 $80 $782 $65
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in your specific Honolulu location which can raise or lower premium rates considerably.

Based on this data, using a $250 deductible costs roughly $10 more each month or $120 each year across all Ford Ranger models than choosing 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 more than 25 months between claim filings, you would save more money if you choose the higher deductible. Here’s a better example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $73
Average monthly premium for $500 deductibles (subtract): – $63
Monthly savings from raising deductible: $10
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important note is that raising deductibles means you pay more out-of-pocket if you have a claim. You need to make sure you have some available funds in the event you have to pay the higher deductible.

How accidents and tickets impact rates

The information below illustrates how speeding tickets and at-fault claims can impact Ford Ranger car insurance rates for each different age group. Data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Comparison of car insurance rates by age and gender

The illustration below illustrates the comparison of Ford Ranger annual premium costs for male and female drivers. The premiums assume a clean driving record, no claims, comp and collision included, $250 deductibles, single marital status, and no other discounts are factored in.

Full coverage rates compared to liability-only

The information below shows the comparison of Ford Ranger insurance premiums when comparing full coverage to state minimum liability only. The prices are based on no accidents, no driving violations, $1,000 deductibles, single status, and no discounts are factored in.

When to drop comp and collision

There is no definitive guideline to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s assume your Ford Ranger settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after you pay the deductible. If it’s costing you more than $800 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping full coverage is not a good plan. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Don’t I need to have guidance from a local insurance agent?

Some consumers would prefer to buy from a local agent and that is just fine! Most agents can answer important questions and help submit paperwork. The biggest benefit of comparing rate quotes online is that you can find better rates but still work with a licensed agent.

Honolulu insurance agentsAfter completing this simple form, the coverage information is submitted to participating agents in Honolulu who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer due to the fact that quote results will go to you instantly. If you want to get a price quote from a specific insurance company, feel free to navigate to their website and fill out their quote form.

Picking a company requires more thought than just the quoted price. The following questions are important to ask.

The difference between Honolulu auto insurance agents

If you want a reliable agent, there are a couple of different agency structures and how they operate. Agents can be categorized as either independent (non-exclusive) or exclusive. Either can handle insurance, but it’s good to learn how they differ because it may have an impact on your selection of an agent.

Exclusive Insurance Agents

Agents in the exclusive channel can only place business with one company like Allstate and State Farm. Exclusive agents cannot place coverage with different providers so you might not find the best rates. Exclusive insurance agents are trained well on their company’s products which helps them sell on service rather than price.

Shown below is a list of exclusive insurance agents in Honolulu that are able to give comparison quotes.

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

677 Ala Moana Blvd Ste 310Honolulu, HI 96813(808) 951-0866View Map

Herb Fujikawa – State Farm Insurance Agent
3538 Waialae Ave #205Honolulu, HI 96816(808) 732-1076View Map

More Honolulu agents

Independent Insurance Agents

Independent agents do not work for one specific company and that allows them to write policies with multiple insurance companies and get you the best rates possible. If your premiums go up, your agent can switch companies and that require little work on your part.

If you need cheaper insurance rates, you need to include independent agents to ensure the widest selection of prices.

Shown below is a list of independent insurance agents in Honolulu that can give you price quotes.

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

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

250 Ward Ave #220Honolulu, HI 96814(808) 626-5068View Map

More Honolulu agents

How much insurance do I need?

When selecting proper insurance coverage, there really is no cookie cutter policy. You are unique and a cookie cutter policy won’t apply.Safe vehicles cost less to insure
These are some specific questions may help you determine whether or not you would benefit from professional advice.

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Save Money with These Tips

Lots of things are considered when quoting car insurance. Some factors are common sense like an MVR report, but some are not quite as obvious such as whether you are married or your financial responsibility.

Listed below are a partial list of the pieces companies use to determine premiums.

Here’s why insurance is not optional

Despite the potentially high cost of Ford Ranger insurance, insuring your vehicle serves several important purposes.

First, almost all states have compulsory liability insurance requirements which means the state requires specific limits of liability coverage in order to be legal. 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 you took out a loan on your Ford Ranger, more than likely the lender will stipulate that you have insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may buy a policy for your Ford at an extremely high rate and require you to fork over much more than you were paying before.

Third, insurance protects your Ford Ranger and your assets. It will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. But the average American driver is wasting up to $865 each year so you should quote your policy with other companies each time the policy renews to ensure rates are inline.

The best insurance company isn’t always the cheapest

Some auto insurance companies may not offer rates over the internet and most of the time these regional insurance providers only sell through independent agents. The cheapest Ford Ranger insurance in Honolulu can be bought on the web and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone sacrificed full coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at the best possible price.

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