Are you trying to find more affordable Ford F-350 insurance in Honolulu? Nobody that owns a car likes paying for insurance, especially when they know they could lower their rates if they shopped around.
It’s a fact that insurance companies don’t want their customers to go rate shopping. Insureds who shop around for a cheaper policy will presumably buy a different policy because of the good chance of finding a policy with better rates. A recent insurance study revealed that drivers who compared rates annually saved approximately $865 a year compared to people who don’t make a habit of comparing rates.
If saving the most money on Ford F-350 insurance in Honolulu is your objective, knowing the best ways to shop for car insurance can help you succeed in saving money.
How to save on Ford F-350 insurance in Honolulu
The preferred way to find more affordable Ford F-350 insurance in Honolulu is to regularly compare price quotes from providers that insure vehicles in Hawaii. Prices can be compared by following these steps.
First, read and learn about how companies price auto insurance and the things you can control to prevent expensive coverage. Many risk factors that cause rate increases like speeding and poor credit history can be improved by making minor changes to your lifestyle.
Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide price quotes from multiple companies. Start a quote
Third, compare the new rate quotes to your existing coverage to see if cheaper F-350 coverage is available in Honolulu. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, tell your current company to cancel your current policy. Submit the application along with any required down payment for your new policy. When you receive it, safely store the proof of insurance paperwork with your vehicle’s registration.
A good tip to remember is to compare the same amount of coverage on every price quote and and to get quotes from as many different insurance providers as possible. Doing this enables a fair rate comparison and a better comparison of the market.
Many insurers compete for your insurance dollar, so it’s not easy to compare every provider to discover the definitive best rates possible on Ford F-350 insurance in Honolulu.
It’s a good habit to take a look at other company’s rates occasionally because prices tend to go up over time. Even if you got the best quotes on Ford F-350 insurance in Honolulu on your last policy other companies may now be cheaper. Block out anything you think you know about insurance because you’re going to learn how to use the internet to find better rates and still maintain coverage.
If you have a current insurance policy or need a new policy, you can use these tips to find the best rates without sacrificing coverage. Locating the most cost-effective insurance policy in Honolulu is not that difficult. Smart buyers just need to use the fastest way to compare company rates over the internet.
Take advantage of these five discounts
Companies do not advertise all discounts very clearly, so the list below details a few of the more well known as well as the least known credits available to you.
- Own a Home and Save – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
- Distant College Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
- Multi-line Discount – Some insurance companies give a lower premium rate if you buy some life insurance in addition to your auto policy.
- Federal Employees – Active or retired federal employment could cut as much as 10% off with select insurance companies.
- 55 and Retired – Mature drivers could receive reduced rates.
Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
The chart below compares Ford F-350 premium costs with and without discounts applied to the rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, multi-car, homeowner, and safe-driver discounts applied.
A partial list of companies that may include most of the discounts above possibly include:
Before buying, ask all the companies the best way to save money. All car insurance discounts may not be offered in every state. If you would like to choose from a list of providers that offer multiple discounts in Honolulu, follow this link.
The companies shown below are our best choices to provide price comparisons in Hawaii. If several companies are displayed, it’s highly recommended you click on several of them in order to find the lowest rates.
Ford F-350 coverage statistics
The price information displayed below showcases detailed analysis of insurance rates for Ford F-350 models. Having a good grasp of how car insurance prices are figured can help you make decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$198||$398||$416||$24||$124||$1,160||$97|
|F-350 XL Super Cab 4WD||$198||$398||$416||$24||$124||$1,160||$97|
|F-350 XL Super Cab 2WD||$222||$338||$278||$16||$84||$938||$78|
|F-350 Super Cab Cabela Package 4WD||$222||$398||$416||$24||$124||$1,184||$99|
|F-350 Super Cab Cabela Package 2WD||$222||$398||$278||$16||$84||$998||$83|
|F-350 XL Crew Cab 2WD||$222||$398||$278||$16||$84||$998||$83|
|F-350 Crew Cab Harley Edition 4WD||$222||$398||$416||$24||$124||$1,184||$99|
|F-350 Super Cab Harley Edition 4WD||$222||$398||$416||$24||$124||$1,184||$99|
|F-350 Crew Cab King Ranch 4WD||$222||$398||$416||$24||$124||$1,184||$99|
|F-350 XLT Crew Cab 4WD||$222||$398||$416||$24||$124||$1,184||$99|
|F-350 XL Super Cab Turbo Diesel 4WD||$222||$398||$416||$24||$124||$1,184||$99|
|F-350 XLT Super Cab 4WD||$222||$398||$416||$24||$124||$1,184||$99|
|F-350 XLT Super Cab 2WD||$222||$398||$278||$16||$84||$998||$83|
|F-350 XL Crew Cab Cabela Package 2WD||$222||$398||$278||$16||$84||$998||$83|
|F-350 XL Crew Cab King Ranch 2WD||$222||$398||$278||$16||$84||$998||$83|
|F-350 Crew Cab Lariat 4WD||$222||$458||$416||$24||$124||$1,244||$104|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$222||$458||$416||$24||$124||$1,244||$104|
|F-350 Crew Cab Cabela Package 4WD||$222||$458||$416||$24||$124||$1,244||$104|
|F-350 XL Crew Cab Turbo Diesel 4WD||$222||$458||$416||$24||$124||$1,244||$104|
|F-350 Super Cab Lariat 4WD||$222||$458||$416||$24||$124||$1,244||$104|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$222||$458||$416||$24||$124||$1,244||$104|
|F-350 XLT Super Cab Turbo Diesel 4WD||$222||$458||$416||$24||$124||$1,244||$104|
|F-350 Super Cab Lariat 2WD||$244||$398||$278||$16||$84||$1,020||$85|
|F-350 XL Super Cab Turbo Diesel 2WD||$244||$398||$278||$16||$84||$1,020||$85|
|F-350 Super Cab Harley Edition 2WD||$244||$398||$278||$16||$84||$1,020||$85|
|F-350 XLT Crew Cab 2WD||$244||$398||$278||$16||$84||$1,020||$85|
|F-350 XLT Crew Cab Lariat 2WD||$244||$398||$278||$16||$84||$1,020||$85|
|F-350 XLT Crew Cab Harley Edition 2WD||$244||$398||$278||$16||$84||$1,020||$85|
|F-350 XL Crew Cab Turbo Diesel 2WD||$244||$398||$278||$16||$84||$1,020||$85|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$244||$458||$416||$24||$124||$1,266||$106|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$244||$458||$416||$24||$124||$1,266||$106|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$244||$458||$416||$24||$124||$1,266||$106|
|F-350 Super Cab Harley Turbo Diesel 4WD||$244||$458||$416||$24||$124||$1,266||$106|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$244||$458||$278||$16||$84||$1,080||$90|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$244||$458||$278||$16||$84||$1,080||$90|
|F-350 Super Cab Harley Turbo Diesel 2WD||$244||$458||$278||$16||$84||$1,080||$90|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$244||$458||$278||$16||$84||$1,080||$90|
|F-350 Super Cab XLT Turbo Diesel 2WD||$244||$458||$278||$16||$84||$1,080||$90|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$244||$458||$416||$24||$124||$1,266||$106|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$244||$458||$416||$24||$124||$1,266||$106|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$244||$458||$278||$16||$84||$1,080||$90|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$244||$458||$278||$16||$84||$1,080||$90|
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can increase or decrease prices considerably.
The example below illustrates how choosing a deductible and can affect Ford F-350 yearly insurance costs for different insured age categories. Data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.
Cautious drivers save money
The chart below illustrates how traffic citations and accident claims influence Ford F-350 premium costs for each age group. The data assumes a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Do you need full coverage?
The example below illustrates the difference between Ford F-350 premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.
When to drop full coverage
There is no clear-cut rule of when to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Ford F-350 replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying your deductible. If it’s costing you more than $700 annually for full coverage, then you might consider buying liability only.
There are some circumstances where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
Car insurance quotes from local Honolulu insurance agents
Many drivers would rather get professional advice from a licensed agent and that is just fine! Insurance agents are highly skilled in risk management and help file insurance claims. The biggest benefit of comparing rate quotes online is the fact that drivers can get cheaper rates and still have an agent to talk to. Buying from local agents is important especially in Honolulu.
After completing this form (opens in new window), the quote information is submitted to participating agents in Honolulu that can give you free Honolulu car insurance quotes for your insurance coverage. There is no need to contact an agency as quotes are delivered immediately to you. If you want to quote rates from one company in particular, feel free to go to their quote page and give them your coverage information.
If you want to buy car insurance from a local agent, it’s helpful to know the different types of agencies and how they are slightly different. Car insurance agents are considered either exclusive or independent (non-exclusive). Either type can insure your vehicles properly, but it is important to understand the difference between them because it can influence the selection process.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent are appointed with more than one company so they can write business through many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to do anything. When comparing car insurance rates, you definitely need to get rate quotes from a few independent agents in order to have the best price comparison.
Listed below are independent insurance agencies in Honolulu that may be able to provide free rate quotes.
These type of agents can usually just insure with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot shop your coverage around so keep that in mind. These agents are well trained in insurance sales which helps them sell on service rather than price.
The following are Honolulu exclusive agents who can help you get comparison quotes.
Suzette Rudolf Trehern – State Farm Insurance Agent
7192 Kalanianaole Hwy g210 – Honolulu, HI 96825 – (808) 395-3434 – View Map
Finding the right insurance agent requires you to look at more than just a cheap price. The questions below may impact your decision as well.
- What is their Better Business Bureau rating?
- How are claims handled?
- How long has the business existed?
- Has the agent ever had any license suspensions?
- Can they provide you with a list of referrals?
- Can glass repairs be made at your home?
- Do the agents have professional certifications like CPCU or CIC?
If you get good answers to any questions you may have and a good coverage price, chances are good that you have found a car insurance agent that will insure your vehicles.
It may be expensive, but it’s not optional
Even though Honolulu F-350 insurance rates can get expensive, insuring your vehicle is not optional due to several reasons.
First, almost all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability in order to get the vehicle licensed. 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 vehicle, most banks will make it mandatory that you buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Ford for a much higher rate and force you to pay a much higher amount than you were paying before.
Third, car insurance preserves not only your Ford but also your financial assets. Insurance will pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your Ford gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. Unknowingly, the average driver overpays as much as $865 each year so smart consumers compare quotes each time the policy renews to ensure rates are competitive.
Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.
Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as damaging your car on a curb, rolling your car, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your F-350 to bring the cost down.
Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as hitting a deer, hail damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills like doctor visits, X-ray expenses, EMT expenses, hospital visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Ford F-350.
Since many Hawaii drivers carry very low liability coverage limits (which is 20/40/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liability limits.
Liability car insurance – This coverage protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 20/40/10 which stand for $20,000 in coverage for each person’s injuries, $40,000 for the entire accident, and $10,000 of coverage for damaged property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, medical services, loss of income and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible. Hawaii state law requires minimum liability limits of 20/40/10 but you should think about purchasing higher limits.
The illustration below shows why minimum state limits may not be adequate coverage.
You can find cheaper coverage
A few companies do not provide rate quotes online and usually these small insurance companies provide coverage only through independent agents. More affordable car insurance in Honolulu can be sourced on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection.
When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. In many cases, consumers will sacrifice full coverage and discovered at claim time they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
How to quote cheaper Ford F-350 insurance in Honolulu
The best way to find affordable Ford F-350 insurance is to compare quotes annually from different companies who sell insurance in Honolulu. You can shop around by following these guidelines.
- First, take a few minutes and learn about car insurance and the things you can change to prevent expensive coverage. Many risk factors that increase rates such as speeding tickets, careless driving and a not-so-good credit rating can be amended by being financially responsible and driving safely.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while independent agents can provide price quotes from multiple sources. Select a company
- Third, compare the new rate quotes to your existing coverage and see if you can save money. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, notify your agent or company to cancel your current auto insurance policy. Submit payment and a signed application for your new coverage. Be sure to put the new certificate verifying coverage in an easily accessible location.
An important bit of advice to remember is to try to use the same deductibles and limits on each quote and and to look at as many companies as feasibly possible. Doing this provides an accurate price comparison and the best price selection.
Additional car insurance information is located at the links below
- Collision Insurance Coverage (Nationwide)
- Who Has Cheap Honolulu Auto Insurance Quotes for a GMC Sierra? (FAQ)
- How Much are Car Insurance Quotes for a 20 Year Old Female in Honolulu? (FAQ)
- What Insurance is Cheapest for a Toyota RAV4 in Honolulu? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Vehicle Insurance (Wikipedia)
- Young Drivers: The High Risk Years Video (iihs.org)