How to Save on Honolulu Kia Spectra Insurance

It’s amazing but most insurance buyers in Hawaii kept their coverage with the same insurance company for at least four years, and just short of a majority have never compared rates to find cheaper insurance. With the average insurance premium being $1,847, American drivers could cut their rates by almost $860 a year, but most tend to underestimate the actual amount they would save if they replace their high priced policy.

Insurance rates Kia Spectra in HonoluluTo save the most money, the best way to find better pricing on car insurance rates is to start doing a yearly price comparison from different companies in Honolulu.

  1. Try to comprehend how your policy works and the measures you can control to keep rates low. Many factors that result in higher rates such as traffic citations and an unfavorable credit rating can be rectified by improving your driving habits or financial responsibility. Continue reading for additional tips to help prevent high rates and earn a bigger discount.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can provide prices from multiple companies.
  3. Compare the price quotes to the price on your current policy and determine if there is any savings. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Give notification to your agent or company to cancel your current auto insurance policy and submit the application along with any required down payment for the new coverage. Once coverage is bound, keep the new certificate verifying coverage along with the vehicle’s registration papers.

A good piece of advice is that you use identical limits and deductibles on every price quote and to quote with every insurance company. This provides an accurate price comparison and a complete price analysis.

These tips will let you in on how to effectively get price quotes and how you can save the most money. If you have coverage now, you will surely be able to lower your rates using the ideas you’re about to read. But Hawaii vehicle owners must understand how insurance companies calculate their prices and take advantage of how the system works.

Kia Spectra Insurance Rates Can Be Cheaper

Lots of things are taken into consideration when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are not quite as obvious such as your marital status or how financially stable you are.

Compare Kia Spectra insurance rates

Most major insurance companies such as State Farm, GEICO and Progressive make it easy to get price estimates online. The process is fairly simple as you just enter the coverage amounts you desire as requested by the quote form. Behind the scenes, their system pulls reports for credit and driving violations and generates pricing information determined by many factors.

Quoting online for Kia Spectra insurance in Honolulu simplifies rate comparisons, and it’s very important to do this if you are searching for the cheapest car insurance rates.

In order to find out if lower rates are available, compare quotes from the companies shown below. To compare your current rates, we recommend you type in the insurance coverages exactly as they are listed on your policy. Doing this assures you will have a rate comparison for similar insurance coverage.

The companies shown below have been selected to offer price comparisons in Hawaii. If the list has multiple companies, it’s a good idea that you get rates from several of them to get a more complete price comparison.

Insurance does more than just repair your car

Even though it can be expensive, insurance serves several important purposes.

First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection if you don’t want to risk a ticket. 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 car, most banks will stipulate that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may buy a policy for your Kia for a much higher rate and make you pay the higher premium.

Third, insurance preserves both your assets and your Kia Spectra. Insurance will pay for most medical and hospital costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $820 a year so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.

Cheaper rates with discounts

Some companies don’t necessarily list the entire discount list very well, so the following list contains both the well known and also the more inconspicuous credits that you can use to lower your rates.Cheaper insurance with discounts

While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Insurance companies that may offer policyholders some of the above discounts include:

If you need lower rates, check with each company the best way to save money. A few discounts might not be available to policyholders everywhere. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts in Hawaii, click here to view.

What if I want to buy from local Honolulu insurance agencies?

A small number of people just prefer to talk to a local agent and that is a personal choice. A good thing about comparing insurance prices online is you may find cheaper premium rates and still have a local agent. Supporting small agencies is important especially in Honolulu.

Honolulu insurance agentsBy using this quick form, your insurance data is immediately sent to companies in Honolulu that provide free Honolulu auto insurance quotes to get your business. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go to you directly. You can find better rates and work with a local agent. In the event you want to get a price quote from one company in particular, you just need to jump over to their website and fill out their quote form.

Two different types of car insurance agents

When searching for a local agent, you need to know there are two types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agents may be either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Independent agents are normally appointed by many insurers and that allows them to write policies with an assortment of companies and find you the best rates. If you want to switch companies, they simply move the coverage in-house and you don’t have to switch agencies.

When comparing rates, you definitely need to include at least one independent agent to maximize your price options. Most can insure with smaller regional carriers which may provide better rates.

Featured below are independent insurance agents in Honolulu that can give you price quote information.

More Honolulu agents

Exclusive Auto Insurance Agencies

Exclusive agencies work for only one company and examples are State Farm, Allstate, or Farmers Insurance. They usually cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. These agents are very knowledgeable on sales techniques and that enables them to sell even at higher rates. Some insured continue to use the same agent primarily because of the brand name and strong financial ratings.

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

More Honolulu agents

Finding the right auto insurance agent needs to be determined by more than just a cheap quote. Any agent in Honolulu should be forthright in answering these questions:

Best auto insurance in Hawaii

Picking the right auto insurance company can be challenging considering how many companies there are in Hawaii. The information shown below may help you select which providers to look at comparing rates from.

Top 10 Honolulu Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 94%
  2. AAA Insurance – 91%
  3. State Farm – 90%
  4. Nationwide – 90%
  5. The Hartford – 89%
  6. GEICO – 89%
  7. Liberty Mutual – 88%
  8. Allstate – 88%
  9. Esurance – 87%
  10. Progressive – 87%

Top 10 Honolulu Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Progressive
  5. Allstate
  6. American Family
  7. AAA Insurance
  8. Nationwide
  9. Liberty Mutual
  10. Farmers Insurance

Find cheap rates by comparing often

Insureds who switch companies do it for a variety of reasons including delays in responding to claim requests, policy non-renewal, an unsatisfactory settlement offer or poor customer service. Regardless of your reason, finding a new car insurance company can be less work than you think.

Some companies may not have online price quotes and usually these regional carriers only sell coverage through independent insurance agents. Low-cost Kia Spectra insurance in Honolulu can be purchased on the web and also from your neighborhood Honolulu agents, so you should compare both to have the best rate selection.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where drivers have reduced full coverage only to find out that it was a big mistake. Your goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Much more information about car insurance in Hawaii can be found on the following sites: