If you are new to getting Honolulu auto insurance quotes online, most likely you are baffled by the vast number of local and online companies competing for your business.
How to find cheaper quotes for Honda Pilot insurance in Honolulu
To save the most money, the best way to find low-cost auto insurance rates in Honolulu is to regularly compare quotes from companies in Hawaii.
- First, take a little time to learn about how insurance companies determine prices and the measures you can take to prevent rate increases. Many policy risk factors that increase rates like speeding tickets, careless driving and a negative credit rating can be remedied by making lifestyle changes or driving safer. Read the full article for additional tips to help keep rates affordable and get additional discounts that may have been overlooked.
- Second, request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agencies can give you price quotes from multiple companies.
- Third, compare the new rate quotes to your existing coverage and determine if cheaper Pilot coverage is available. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
- Fourth, give notification to your current company to cancel your current coverage. Submit a completed application and payment to your new insurance company. When you receive it, put the new certificate of insurance with your registration paperwork.
A crucial key to this process is to try to compare identical coverages on every quote request and and to get price quotes from as many car insurance companies as possible. This provides the most accurate price comparison and a thorough selection of prices.
It’s an obvious assumption that insurance companies don’t want you to look for a cheaper policy. Consumers who rate shop once a year are inclined to switch companies because there is a good probability of finding a more affordable policy. A recent survey found that drivers who shopped around annually saved approximately $3,450 over four years compared to people who never compared rates.
If finding the cheapest price for Honda Pilot insurance in Honolulu is the reason you’re reading this, then understanding how to choose a company and compare insurance rates can make the process less intimidating.
Smart consumers take time to compare prices on a regular basis because prices are constantly changing. Even if you got the lowest rates on Honda Pilot insurance in Honolulu a year ago you will most likely find a better rate quote today. You can search a lot of Pilot insurance out there, but in this article, you’re going to get a lot of great tips on how to save money.
Affordable car insurance in Honolulu, HI
The following companies provide price quotes in Hawaii. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.
Honda Pilot insurance analysis
The data table below highlights estimates of insurance costs for Honda Pilot models. Learning as much as possible about how auto insurance prices are formulated can be useful when making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$142||$236||$300||$18||$90||$786||$66|
|Pilot EX 2WD||$162||$236||$300||$18||$90||$806||$67|
|Pilot EX 4WD||$162||$236||$300||$18||$90||$806||$67|
|Pilot EX-L 2WD||$162||$286||$300||$18||$90||$856||$71|
|Pilot EX-L 4WD||$162||$286||$300||$18||$90||$856||$71|
|Pilot Touring 2WD||$162||$286||$300||$18||$90||$856||$71|
|Pilot Touring 4WD||$162||$286||$300||$18||$90||$856||$71|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in Honolulu location which can revise premium rates substantially.
The illustration below illustrates how choosing a deductible and can raise or lower Honda Pilot insurance premiums for different age groups. The rate quotes are based on a married male driver, full coverage, and no discounts are taken into consideration.
Gender-based car insurance rates
The example below visualizes the comparison of Honda Pilot car insurance rates for male and female drivers. The rates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Difference between liability only and full coverage rates
The diagram below illustrates the difference between Honda Pilot premium costs with and without physical damage coverage. The information is based on a clean driving record, no claims, $1,000 deductibles, single status, and no other discounts are factored in.
When to drop comp and collision
There is no clear-cut rule of when to eliminate full coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Honda Pilot claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $3,000 after you pay the deductible. If you are paying in excess of $300 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
These nine discounts can cut Honda Pilot insurance rates
Not too many consumers would say auto insurance is affordable, but there are discounts available that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be inquired about in order for you to get them.
- Telematics Discount – People who choose to allow data collection to look at when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise could see a rate decrease if their driving habits are good.
- Distant Student – Kids who attend college more than 100 miles from Honolulu and do not have access to a covered vehicle may qualify for this discount.
- Multiple Vehicles – Purchasing coverage when you have multiple vehicles on a single policy may reduce the rate for each vehicle.
- Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education in school or through a local driver safety program.
- No Accidents – Good drivers with no accidents get the best auto insurance rates as compared to bad drivers.
- New Vehicle Savings – Putting insurance on a new Pilot may earn a small discount compared to insuring an older model.
- Discount for Swiching Early – Select larger companies give a discount for signing up before your current Pilot insurance policy expires. The savings is around 10%.
- Life Insurance – Select insurance companies reward you with lower prices if you buy a life policy as well.
- Senior Discount – Older drivers can possibly qualify for reduced rates.
A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride.
The diagram below illustrates the difference between Honda Pilot car insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or violations, Hawaii state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, multi-car, and homeowner discounts applied.
Insurance companies that have some of the above discounts may include but are not limited to:
If you need lower rates, check with each company or agent which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders everywhere. To choose insurers that offer multiple discounts in Honolulu, click here to view.
You may want advice from an insurance agency
A lot of people still prefer to get advice from a local agent and that is recommended in a lot of cases One of the great benefits of comparing rate quotes online is the fact that you can find lower premium rates and still have an agent to talk to.
Upon completion of this simple form, your coverage information gets sent to local insurance agents in Honolulu that can provide free Honolulu auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to search for an agent due to the fact that quote results will go to you. You can find lower rates AND a local agent. If you need to compare rates from a particular provider, you just need to go to their quote page and fill out the quote form the provide.
Choosing the best insurer should depend on more than just a cheap quote. These are some questions you should get answers to.
- Which members of your family are coverage by the policy?
- Do they assist clients in filing claims?
- How would your car be valued if totaled?
- How are they compensated?
- Do they make recommendations based only on price?
- When do they do a full risk review?
- Is the quote a firm price?
When researching a reliable insurance agent, you must know there are a couple different agency structures and how they operate. Insurance agencies in Honolulu can be categorized as either independent agents or exclusive agents depending on their employer.
Exclusive Car Insurance Agents
Agents in the exclusive channel have only one company to place business with such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. These agents are very knowledgeable on sales techniques which aids in selling service over price. A lot of people buy from exclusive agents mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive insurance agencies in Honolulu willing to provide price quotes.
- Farmers Insurance Hawaii
Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd – Honolulu, HI 96813 – (808) 533-2444 – View Map
- Allstate Insurance: Thomas Choi
1130 N Nimitz Hwy Rm A260 – Honolulu, HI 96817 – (808) 664-0970 – View Map
- Dee Ann Lee – State Farm Insurance Agent
600 Kapiolani Blvd #210 – Honolulu, HI 96813 – (808) 599-7666 – View Map
Independent Agents (or Brokers)
These agents do not write with just one company and that enables them to quote your coverage through lots of different companies and find you cheaper rates. If your premiums go up, your agent can switch companies and the insured can keep the same agent.
If you need cheaper car insurance rates, you definitely need to compare prices from at least one independent agent in order to compare the most rates. Many independent agencies also insure through companies that do not advertise much that may have much lower rates than larger companies.
Shown below are independent agents in Honolulu willing to provide comparison quotes.
- 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
- Cornerstones Financial and Insurance Agency
250 Ward Ave #220 – Honolulu, HI 96814 – (808) 626-5068 – View Map
Auto insurance coverages and their meanings
Knowing the specifics of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.
Medical costs insurance
Med pay and PIP coverage provide coverage for expenses like ambulance fees, chiropractic care, X-ray expenses, pain medications and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Auto collision coverage
Collision coverage will pay to fix damage to your Pilot from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible on your Pilot in order to get cheaper collision rates.
This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 20/40/10 which stand for a $20,000 limit per person for injuries, $40,000 for the entire accident, and property damage coverage for $10,000.
Liability coverage pays for things like bail bonds, loss of income, medical expenses, medical services and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Hawaii requires drivers to carry at least 20/40/10 but you should think about purchasing more liability than the minimum.
The illustration below demonstrates why minimum state limits may not be enough coverage.
Comprehensive or Other Than Collision
This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like fire damage, falling objects, a tree branch falling on your vehicle, hitting a deer and theft. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Pilot.
Since a lot of drivers carry very low liability coverage limits (which is 20/40/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Auto insurance company ratings
Buying coverage from a high-quality auto insurance provider is difficult considering how many companies there are to choose from in Honolulu. The information listed below can help you select which companies to look at purchasing a policy from.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
More comparisons equals affordable rates
People who switch companies do it for many reasons like being labeled a high risk driver, high rates after DUI convictions, denial of a claim and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding the right car insurance provider can be pretty painless.
As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.
Some insurance companies do not provide the ability to get a quote online and most of the time these regional carriers sell through independent agencies. More affordable car insurance in Honolulu can be sourced from both online companies as well as from insurance agents, so you need to compare both in order to have the best chance of saving money.
Steps to finding the cheapest rates for Honda Pilot insurance in Honolulu
To save the most money, the best way to quote cheaper Honda Pilot insurance in Honolulu is to regularly compare quotes from providers who provide car insurance in Hawaii.
Step 1: Try to comprehend how auto insurance works and the changes you can make to lower rates. Many rating factors that cause high rates like multiple speeding tickets and a not-so-good credit rating can be improved by making small lifestyle or driving habit changes.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Allstate, while independent agencies can provide prices from multiple sources. Compare rates
Step 3: Compare the new quotes to the premium of your current policy and see if there is a cheaper rate in Honolulu. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
The critical component of shopping around is to make sure you enter the same liability limits and deductibles on every price quote and to quote with as many auto insurance providers as possible. This helps ensure the most accurate price comparison and a complete price analysis.
Much more information about car insurance in Hawaii is available at the links below
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Honolulu Car Insurance Rates for Inexperienced Drivers? (FAQ)
- Who Has the Cheapest Honolulu Auto Insurance Quotes with Multiple Speeding Tickets? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Honolulu? (FAQ)
- What Insurance is Cheapest for a Toyota RAV4 in Honolulu? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Choosing a Car for Your Teen (State Farm)