Best Ways to Save on Honolulu Chrysler Town and Country Insurance

The preferred way to save money on Chrysler Town and Country insurance in Honolulu is to start comparing prices regularly from providers who provide auto insurance in Hawaii.

One key aspect when comparing rates is to use the same liability limits and deductibles on each quote request and and to get rate quotes from all possible companies. Doing this helps ensure an accurate price comparison and maximum price selection.

Insurance for Chrysler Town and CountryInconceivable but true, almost 70% of drivers kept their policy with the same company for at least the last four years, and just under half have never shopped around. Most drivers in Honolulu could cut their rates by as much as 40% a year by just shopping around, but they don’t invest the time required to compare rate quotes online.

Affordable companies for Chrysler Town and Country insurance

The companies shown below can provide price quotes in Hawaii. If multiple companies are shown, we recommend you compare several of them to get the best price comparison.

Auto insurance statistics for a Chrysler Town and Country

The data table below showcases different insurance policy prices for Chrysler Town and Country models. Having a good grasp of how auto insurance prices are established can be valuable when making decisions on the best policy to buy.

Chrysler Town and Country Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $158 $236 $212 $12 $64 $682 $57
Town and Country Touring $178 $286 $212 $12 $64 $752 $63
Town and Country Signature $178 $286 $212 $12 $64 $752 $63
Town and Country Touring Plus $178 $286 $212 $12 $64 $752 $63
Town and Country Limited $198 $338 $212 $12 $64 $824 $69
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific Honolulu garaging location which can change coverage rates significantly.

Policy deductible comparison

One frequently asked question is at what level do you set your deductibles. The figures shown below can help you understand how much more you’ll pay when you choose different physical damage coverage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Chrysler Town and Country insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $204 $284 $226 $14 $68 $821 $68
Town and Country Touring $230 $344 $226 $14 $68 $907 $76
Town and Country Signature $230 $344 $226 $14 $68 $907 $76
Town and Country Touring Plus $230 $344 $226 $14 $68 $907 $76
Town and Country Limited $258 $406 $226 $14 $68 $997 $83
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Chrysler Town and Country insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $166 $228 $226 $14 $68 $702 $59
Town and Country Touring $188 $278 $226 $14 $68 $774 $65
Town and Country Signature $188 $278 $226 $14 $68 $774 $65
Town and Country Touring Plus $188 $278 $226 $14 $68 $774 $65
Town and Country Limited $210 $328 $226 $14 $68 $846 $71
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can change auto insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $11 more each month or $132 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 23 months between claim filings, you would probably save some money by going with a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $76
Average monthly premium for $500 deductibles (subtract): – $65
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Illustration showing the impact of accidents and violations

The example below illustrates how traffic citations and accident claims can raise Chrysler Town and Country annual premium costs for different insured age categories. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Difference between liability only and full coverage rates

The diagram below shows the difference between Chrysler Town and Country insurance premiums when comparing full coverage to liability only. The price estimates are based on no claims or violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There is no specific rule to stop paying for physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Chrysler Town and Country replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after the deductible is paid. If it’s costing you more than $800 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.

Find Chrysler Town and Country Insurance at a Discount

A large part of saving on insurance is knowing the different types of things that come into play when calculating your insurance rates. If you understand what determines premiums, this empowers consumers to make smart changes that can help you get better insurance rates.

Listed below are some of the things used by companies to determine your premiums.

Combine policies and save money – Most insurance companies provide better rates to people who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, consumers should still get quotes from other companies to help ensure you have the lowest rates.

Prices for males may be higher – Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn’t prove that men are WORSE drivers than women. Both sexes get in auto accidents in similar numbers, but the males cause more damage. Men also tend to receive more costly citations like driving under the influence (DUI).

The information below shows the comparison of Chrysler Town and Country insurance premiums for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

Consider raising deductibles – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Chrysler. Some instances where coverage would apply are a windshield shattered by a rock, collision with an animal, and windstorm damage. Your deductibles tell how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you pay before a claim is paid (deductible), the lower your rates will be.

What’s your car’s IIHS safety rating? – Cars with high safety ratings tend to have better insurance rates. Safer cars protect occupants better and fewer serious injuries means your insurance company pays less and cheaper rates on your policy. If the Chrysler Town and Country scored at minimum four stars on or an “acceptable” rating on you may be receiving a better rate.

Single drivers may have higher costs – Your spouse actually saves money on insurance. Having a significant other usually means you are more financially stable and insurance companies reward insureds because drivers who are married are more cautious.

Job can influence rates – Careers such as fire fighters, executives, and miners tend to pay higher premiums than the average policyholder attributed to high stress and lengthy work days. On the other hand, jobs like scientists, historians and the unemployed pay the least.

Discounts mean cheaper rates for Chrysler Town and Country insurance in Honolulu

The price of auto insurance can be rather high, but you may be missing some discounts that can drop the cost substantially. Some discounts will apply at quote time, but some must be manually applied before you get the savings.Cheaper auto insurance with discounts

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

The diagram below visualizes the comparison of Chrysler Town and Country insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, multi-car, and homeowner discounts applied.

For a list of insurance companies that can offer you the previously mentioned discounts in Honolulu, click this link.

Compare rate quotes but buy from a local Honolulu insurance agent

A lot of people still prefer to talk to an insurance agent and doing so can bring peace of mind Professional agents can point out coverage gaps and will help you if you have claims. One of the great benefits of price shopping on the web is the fact that you can find lower car insurance rates and still have a local agent. And supporting local insurance agencies is still important in Honolulu.

Honolulu insurance agentsAfter filling out this form (opens in new window), the quote information gets sent to local insurance agents in Honolulu who will give you bids for your insurance coverage. You won’t need to even leave your home as quotes are delivered directly to your email. In the event you want to get a price quote from one company in particular, you just need to navigate to their website and submit a quote form there.

When looking for a reliable insurance agent, you need to know there are two different types of agents to choose from. Auto insurance policy providers may be either exclusive agents or independent agents. Both can properly insure your vehicles, but it is important to understand why they differ because it may have an impact on your selection of an agent.

Independent Auto Insurance Agencies

Agents in the independent channel are not required to write business for one company so they have the ability to put coverage with an assortment of companies and get the cheapest rates. If they quote lower rates, the agent simply finds a different carrier and that require little work on your part. If you are comparing rate quotes, you should always get insurance quotes from at least one independent agent in order to have the best price comparison.

Featured below are Honolulu independent insurance agencies that may be able to give price quote information.

819 S Beretania StHonolulu, HI 96813(808) 539-1600View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map

420 Waiakamilo RdHonolulu, HI 96817(808) 527-7667View Map

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Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide one company’s prices such as State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to place coverage with different providers so always compare other rates. Exclusive insurance agents receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums.

Listed below is a short list of exclusive insurance agencies in Honolulu willing to provide comparison quotes.

600 Kapiolani Blvd #210Honolulu, HI 96813(808) 599-7666View Map

1259 S Beretania St Ste 1Honolulu, HI 96814(808) 593-8844View Map

3221 Waialae Ave Ste 386Honolulu, HI 96816(808) 737-3500View Map

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Picking an auto insurance agent requires more thought than just the price. The following questions are important to ask.

Tailor your auto insurance coverage to you

When it comes to choosing your policy, there isn’t really a one-size-fits-all type of policy. Your needs are unique to you.Safe vehicles cost less to insure

For instance, these questions might point out if your situation may require specific advice.

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Cheap insurance rates are possible

You just learned some good ideas how to reduce Chrysler Town and Country insurance car insurance rates online in Honolulu. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates are with a smaller regional carrier.

Consumers who switch companies do it for many reasons like extreme rates for teen drivers, not issuing a premium refund, unfair underwriting practices and questionable increases in premium. Regardless of your reason for switching companies, finding a new company is less work than it seems.

Low-cost Chrysler Town and Country insurance in Honolulu is possible both online and also from your neighborhood Honolulu agents, so you need to quote Honolulu auto insurance with both in order to have the best chance of saving money. Some insurance companies may not provide rates over the internet and many times these regional carriers provide coverage only through independent agents.

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