Smart shoppers know that auto insurance companies don’t want you to compare rates. People who shop rates annually will probably move their business because there is a high probability of finding lower rate quotes. A survey found that consumers who did price comparisons regularly saved an average of $850 each year compared to people who didn’t regularly shop around.
If finding budget-friendly rates on insurance is why you’re reading this, then knowing the best ways to shop for car insurance can save time and money.
It takes a few minutes, but the best way to get budget Honda Element insurance is to regularly compare quotes from providers that sell auto insurance in Honolulu.
First, it will benefit you to learn about how insurance companies determine prices and the measures you can take to keep rates in check. Many things that result in higher rates such as inattentive driving and a negative credit score can be improved by making minor changes in your lifestyle. Read the full article for more information to prevent high rates and earn a bigger discount.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide prices from multiple sources.
Third, compare the new rates to your existing rates and see if you can save money. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
One key aspect of rate comparisons is to use the same deductibles and limits on every quote request and and to get prices from as many auto insurance providers as possible. This guarantees the most accurate price comparison and the best rate selection.
Locating the most cost-effective insurance policy in Honolulu is actually quite easy if you know where to start. If you have insurance now, you will definitely be able to buy cheaper insurance using the tips covered below. Comparison shoppers only need an understanding of the proper way to compare insurance rates from many different companies.
Score discounts on Honolulu car insurance
Companies don’t necessarily list every discount they offer in an easy-to-find place, so below is a list a few of the more well known as well as some of the hidden ways to save on car insurance.
- Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more than drivers with accidents.
- Professional Memberships – Being a member of a professional or civic organization could trigger savings when getting a Honolulu car insurance quote.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
- Early Signing – Some larger companies give discounts for switching to them prior to your current Element insurance policy expiring. This discount can save up to 10%.
- Accident Waiver – Not really a discount, but companies like Liberty Mutual and GEICO permit an accident without raising rates if your claims history is clear for a specific time period.
- Buy New and Save – Adding a new car to your policy can save you some money compared to insuring an older model.
A little disclaimer on discounts, most credits do not apply to the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.
The example below shows the comparison of Honda Element insurance prices with and without discounts applied to the policy premium. The costs are based on a female driver, no tickets, no at-fault accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, multi-car, claim-free, and safe-driver discounts applied.
Some of the larger companies that may offer quotes with these discounts include:
If you need lower rates, check with every prospective company how you can save money. Some discounts listed above may not apply to policyholders everywhere.
Finding a better price on car insurance is actually quite simple. All you need to do is invest a few minutes to compare rates provided by online insurance companies.
The companies shown below are ready to provide free quotes in Honolulu, HI. If more than one company is shown, we recommend you visit as many as you can to get the best price comparison.
Analysis of Honda Element rates
The coverage information below showcases estimates of insurance prices for Honda Element models. Having a better idea how insurance policy premiums are calculated can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $196 | $404 | $278 | $16 | $84 | $978 | $82 |
| Element LX 4WD | $196 | $404 | $278 | $16 | $84 | $978 | $82 |
| Element EX 2WD | $196 | $404 | $278 | $16 | $84 | $978 | $82 |
| Element EX 4WD | $196 | $404 | $278 | $16 | $84 | $978 | $82 |
| Element SC 2WD | $196 | $404 | $278 | $16 | $84 | $978 | $82 |
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Above prices 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, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific location which can lower or raise premiums greatly.
Rate comparison of men versus women
The chart below illustrates the difference between Honda Element yearly insurance costs for male and female drivers. The premium estimates are based on no claims or violations, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Local Honolulu insurance agencies
Some people would rather buy from a licensed agent and that is a personal choice. Experienced insurance agents are trained to spot inefficiencies and help submit paperwork. One of the benefits of comparing rate quotes online is you may find the lowest rates and also buy local.
By using this quick form, your insurance coverage information is sent to participating agents in Honolulu that can provide free Honolulu car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent because quoted prices will be sent instantly to you. If you wish to quote rates from a specific insurance company, don’t hesitate to jump over to their website and fill out their quote form.
Finding the right insurance company should depend on more than just the price. Any agent in Honolulu should be willing to answer these questions.
- Is their price quote a firm figure or are their hidden costs?
- When do they do a full risk review?
- What kind of financial rating does the company have?
- Will their companies depreciate repairs to your car based on the mileage?
- How long have they been in business?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How will an accident affect your rates?
Types of car insurance agents in Honolulu
When searching for a local agent, it can be helpful to understand the different types of agencies that you can choose from. Agents can be classified as either independent agents or exclusive agents depending on their employer. Either can do a good job, but it is a good idea to know the difference between them since it can affect your agent selection.
Exclusive Car Insurance Agencies
Exclusive agents can only place business with one company and some examples include Farmers Insurance, Allstate, or State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. These agents are trained well on sales techniques and that enables them to sell even at higher rates. Consumers sometimes use the same agent partially due to loyalty to the company and strong financial ratings.
The following is a short list of exclusive insurance agents in Honolulu that are able to give price quotes.
- Sean Huh – State Farm Insurance Agent
23 S Vineyard Blvd #205 – Honolulu, HI 96813 – (808) 528-0001 – View Map - Gary Nakamura – State Farm Insurance Agent
1016 Kapahulu Ave #250 – Honolulu, HI 96816 – (808) 734-3265 – View Map - Sue Ann Lu – State Farm Insurance Agent
210 Ward Ave #116 – Honolulu, HI 96814 – (808) 587-6116 – View Map
Independent Car Insurance Agents
Independent agents do not sell for just one brand and that allows them to write policies with multiple insurance companies and find the cheapest rate. If they find a lower price, they simply move the coverage in-house and you don’t have to do anything.
If you are trying to find cheaper rates, you absolutely need to include rate quotes from several independent agencies for the best price selection. Many can place coverage with small mutual carriers which may provide better rates.
The following is a short list of independent agents in Honolulu that can give you price quote information.
- Rosten Y Tsuha Insurance Agency Inc
1350 S King St #303 – Honolulu, HI 96814 – (808) 591-5545 – View Map - First Insurance Co of Hawaii Limited
1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 – Honolulu, HI 96818 – (808) 527-7777 – View Map - Dongbu Insurance
1440 Kapiolani Blvd # 950 – Honolulu, HI 96814 – (808) 942-5353 – View Map
After getting answers to your satisfaction to your questions as well as cheap Element insurance quotes, you may have just found an insurance agent that can properly service your car insurance policy.
Hawaii car insurance companies ranked
Insuring your vehicle with the top insurance company can be rather challenging considering how many companies there are in Honolulu. The information below could help you select which car insurance companies you want to consider comparing prices from.
| 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: Insure.com Best Car Insurance Companies
You can find affordable coverage
When getting Honolulu car insurance quotes online, do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice physical damage coverage only to discover later they didn’t purchase enough coverage. Your goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.
We’ve covered many ideas to shop for Honda Element insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the most savings is with some of the smallest insurance companies.
Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, not issuing a premium refund and poor customer service. Whatever your reason, switching companies is easier than you think.
Additional learning opportunities
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance for Teenagers in Honolulu? (FAQ)
- Who Has Affordable Honolulu Auto Insurance Rates for First-time Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Honda CR-V in Honolulu? (FAQ)
- Who Has Affordable Honolulu Auto Insurance for Real Estate Agents? (FAQ)
- Who Has Affordable Honolulu Auto Insurance Rates for a Nissan Rogue? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Child Safety FAQ (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)