The best way to get cheaper Chevy Silverado 3500HD insurance is to compare prices at least once a year from companies who sell insurance in Honolulu.
Step 1: Read about individual coverages and the things you can change to keep rates down. Many rating criteria that increase rates like accidents, traffic tickets, and a less-than-favorable credit score can be amended by making minor changes in your lifestyle.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple insurance companies. View prices
Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Honolulu. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Tell your current agent or company to cancel the current policy. Submit a completed application and payment for the new policy. Once coverage is bound, place your new certificate verifying coverage somewhere easily accessible.
One tip to remember is to make sure you enter the same liability limits and deductibles on each price quote and and to get price estimates from as many different insurance providers as possible. This enables an apples-to-apples comparison and a complete rate analysis.
It’s well known that auto insurance companies don’t want you to look at other companies. People who shop around for cheaper price quotes are inclined to switch companies because there is a great chance of finding discount prices. Remarkably, a study showed that people who faithfully checked for cheaper rates saved about $3,500 over four years compared to other drivers who didn’t regularly shop around.
If finding the lowest rates on insurance in Honolulu is your objective, knowing how to find and compare insurance coverage can help you succeed in saving money.
If you have a policy now, you will be able to find better prices using the following tips. These tips will familiarize you with the best way to buy inexpensive car insurance and some tips to save money. But Hawaii drivers can benefit from knowing how companies calculate their prices because rates are impacted by many factors.
When shopping for Chevy Silverado 3500HD insurance in Honolulu there are multiple ways to obtain and compare prices from lots of Hawaii auto insurance companies. By far the easiest way to lower the rate you pay for Chevy Silverado 3500HD insurance is to jump online and get quotes.
When price shopping your coverage, comparing all the rates in your area helps you find the best price. Not every company allows you to get rate quotes online, so you also need to get price estimates from those companies as well.
The providers in the list below are our best choices to provide free rate quotes in Hawaii. If multiple companies are listed, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Get discounts to get affordable Honolulu auto insurance rates
Some providers don’t always publicize their entire list of discounts very well, so the following list contains some of the more common as well as some of the hidden discounts that you can inquire about if you buy Honolulu auto insurance online.
- Switch and Save Discount – Some auto insurance companies provide a discount for buying a policy before your current coverage expires. It can save you around 10%.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a Honolulu auto insurance quote.
- Multiple Vehicles – Buying insurance for primary and secondary vehicles on one policy can get a discount on all vehicles.
- Membership in Organizations – Having an affiliation with qualifying employment or professional organizations could trigger savings on your next renewal.
- Resident Student – Any of your kids who live away from home at college and do not have access to a covered vehicle may be able to be covered for less.
- Bundled Policy Discount – When you have multiple policies with the same insurance company you will save up to 20% and get you cheap Silverado 3500HD insurance.
As is typical with insurance, many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The illustration below shows the difference between Chevy Silverado 3500HD insurance costs with and without discounts applied. The data assumes a male driver, no claims or driving citations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, claim-free, safe-driver, and multi-policy discounts applied.
Popular auto insurance companies and some of the discounts are:
- GEICO may have discounts that include emergency military deployment, five-year accident-free, multi-policy, membership and employees, and military active duty.
- Travelers offers premium reductions for continuous insurance, hybrid/electric vehicle, driver training, early quote, multi-policy, good student, and new car.
- Farm Bureau has discounts for 55 and retired, multi-policy, driver training, youthful driver, safe driver, multi-vehicle, and good student.
- Liberty Mutual has savings for multi-car, teen driver discount, new move discount, new vehicle discount, newly married, and good student.
- American Family discounts include multi-vehicle, good student, TimeAway discount, bundled insurance, and air bags.
- Progressive includes discounts for multi-policy, multi-vehicle, online quote discount, good student, homeowner, online signing, and continuous coverage.
If you need lower rates, check with each company which discounts they offer. Some of the discounts discussed earlier might not be offered in Honolulu. To see a list of insurers who offer online Chevy Silverado 3500HD insurance quotes in Honolulu, click here.
Data for Chevy Silverado 3500HD insurance
The information below covers estimates of insurance policy prices for Chevy Silverado 3500HD models. Understanding more about how auto insurance policy rates are formulated helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $274 | $630 | $430 | $26 | $128 | $1,488 | $124 |
| Silverado 3500HD LT Extended Cab 4WD | $274 | $630 | $430 | $26 | $128 | $1,488 | $124 |
| Silverado 3500HD LT Crew Cab 2WD | $274 | $548 | $344 | $20 | $104 | $1,290 | $108 |
| Silverado 3500HD LTZ Crew Cab 2WD | $304 | $548 | $344 | $20 | $104 | $1,320 | $110 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $304 | $630 | $344 | $20 | $104 | $1,402 | $117 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $304 | $630 | $344 | $20 | $104 | $1,402 | $117 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can alter coverage rates noticeably.
Where to set your deductibles
One of the hardest decisions when shopping for insurance is how high should the physical damage coverage deductibles be. The rates shown below approximate the differences in premium rates when you select higher and lower deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $286 | $558 | $330 | $20 | $100 | $1,319 | $110 |
| Silverado 3500HD LT Extended Cab 4WD | $286 | $558 | $330 | $20 | $100 | $1,319 | $110 |
| Silverado 3500HD LT Crew Cab 2WD | $286 | $484 | $264 | $16 | $80 | $1,155 | $96 |
| Silverado 3500HD LTZ Crew Cab 2WD | $316 | $484 | $264 | $16 | $80 | $1,185 | $99 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $316 | $558 | $264 | $16 | $80 | $1,259 | $105 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $316 | $558 | $264 | $16 | $80 | $1,259 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $210 | $378 | $330 | $20 | $100 | $1,038 | $87 |
| Silverado 3500HD LT Extended Cab 4WD | $210 | $378 | $330 | $20 | $100 | $1,038 | $87 |
| Silverado 3500HD LT Crew Cab 2WD | $210 | $328 | $264 | $16 | $80 | $898 | $75 |
| Silverado 3500HD LTZ Crew Cab 2WD | $230 | $328 | $264 | $16 | $80 | $918 | $77 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $230 | $378 | $264 | $16 | $80 | $968 | $81 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $230 | $378 | $264 | $16 | $80 | $968 | $81 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in specific Honolulu garaging location which can change auto insurance rates significantly.
Based on the above data, using a $100 deductible will cost you about $23 more each month or $276 a year than opting for the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 17 months between claims, you would more than likely save some money if you decide on a higher deductible.
Buy Cheaper Insurance with These Tips
When buying insurance it’s important to understand some of the factors that help calculate insurance rates. If you have a feel for what impacts premium levels, this helps enable you to make changes that may reward you with lower rates.
- Do you really need to file those claims? – If you tend to file frequent claims, you can look forward to higher rates. Companies in Hawaii provide most affordable rates to drivers who are not frequent claim filers. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
- Getting married reduces risk – Walking down the aisle can actually save you money when shopping for insurance. Having a spouse means you’re more financially stable and statistics prove married drivers tend to have fewer serious accidents.
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Don’t get traffic citations – Having a clean driving record impacts premiums far more than you think. Good drivers tend to pay less for car insurance compared to bad drivers. Having a single citation can increase rates to the point where it’s not affordable. Drivers with multiple tickets like DWI, reckless driving or hit and run convictions may need to complete a SR-22 with their state in order to drive a vehicle legally.
The illustration below highlights how speeding tickets and at-fault accidents can drive up Chevy Silverado 3500HD insurance premiums for different categories of driver ages. The premiums are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
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High performance vehicles cost more to insure – The performance level of the car you are buying insurance for makes a big difference in your car insurance bill. The lowest base rates will normally be found when insuring lower cost passenger vehicles, but that’s not the only thing that factors into the final price.
The chart below uses these variables: single male driver age 40, full coverage with $100 deductibles, and no discounts or violations. The chart compares Chevrolet Silverado 3500HD rates compared to other models that have a range of performance risks.
- Five star IIHS safety rating saves money – Cars with five star safety ratings are cheaper to insure. Highly rated vehicles reduce occupant injuries and reduced instances of injuries means lower claim amounts which can result in lower premiums. If the Chevy Silverado 3500HD is rated at least four stars on Safercar.gov you may qualify for a discount.
Insurance agencies can help
Some people prefer to go talk to an agent and that can be a great decision A nice benefit of getting online price quotes is you may find cheap auto insurance rates and still buy from a local agent.
After filling out this quick form, your information is submitted to insurance agents in Honolulu that can provide free Honolulu auto insurance quotes and help you find cheaper coverage. There is no need to contact an agency because quoted prices will be sent to you instantly. You can get cheaper auto insurance rates and a licensed agent to talk to. If you want to get a rate quote for a specific company, you would need to visit that company’s website and fill out the quote form the provide.
Choosing the best provider needs to be determined by more than just a cheap price quote. These are some questions you should get answers to.
- What kind of financial rating does the company have?
- How would your car be valued if totaled?
- Will the agent help in case of a claim?
- Will you get a loaner vehicle if you car is being repaired?
- Does the agency provide any after hours assistance?
- Can they help ensure a fair claim settlement?
Exclusive and independent Honolulu car insurance agents
If you are searching for a reputable agency, you need to know there are two different agency structures and how they function. Agents may be either exclusive or independent (non-exclusive).
Exclusive Agencies
Agents that choose to be exclusive are contracted to one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents are highly trained on their company’s products and that can be a competitive advantage. Consumers often use the same exclusive agent mainly due to the brand name instead of buying on price only.
The following are exclusive agents in Honolulu willing to provide rate quotes.
- Gary Nakamura – State Farm Insurance Agent
1016 Kapahulu Ave #250 – Honolulu, HI 96816 – (808) 734-3265 – View Map - Allstate Insurance: Ricky N. Bonilla
2024 N King St #101b – Honolulu, HI 96819 – (808) 842-5844 – View Map - Sean Huh – State Farm Insurance Agent
23 S Vineyard Blvd #205 – Honolulu, HI 96813 – (808) 528-0001 – View Map
Independent Insurance Agents
These agents are not employed by any specific company and that is an advantage because they can write policies with lots of companies and find you cheaper rates. If they quote lower rates, they can switch companies in-house which is easy for the insured. When comparison shopping, it’s recommended you get insurance quotes from at a minimum one independent agency to get the best comparison. Most have the option of insuring with mutual insurance companies that can offer cheaper rates than bigger companies.
Below are independent insurance agents in Honolulu that can give you price quotes.
- Atlas Insurance
1132 Bishop St #1600 – Honolulu, HI 96813 – (808) 533-8728 – View Map - Anita Butay Diniega
1088 Bishop St #2210 – Honolulu, HI 96813 – (808) 841-5915 – View Map - Pyramid Insurance Center Ltd
420 Waiakamilo Rd – Honolulu, HI 96817 – (808) 527-7667 – View Map
Which policy gives me the best coverage?
Keep in mind that when it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique so your insurance needs to address that.
For instance, these questions can help discover whether or not you might need an agent’s assistance.
- What discounts do I qualify for?
- Should I carry comprehensive and collision coverage?
- Which is better, split liability limits or combined limits?
- How much liability do I need to cover my assets?
- Why do I need rental car insurance?
- Do I need added coverage for expensive stereo equipment?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Compare. Compare. Compare.
Cost effective Chevy Silverado 3500HD insurance is definitely available online in addition to many Honolulu insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get quotes online and many times these small, regional companies only sell coverage through independent agents.
Throughout this article, we presented many ideas to compare Chevy Silverado 3500HD insurance premium rates in Honolulu. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from an unexpected company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as GEICO and State Farm.
To learn more, link through to the resources below:
- Older Driver Statistics (Insurance Information Institute)
- Who Has Affordable Honolulu Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Affordable Car Insurance for Unemployed Drivers in Honolulu? (FAQ)
- How Much are Car Insurance Quotes for a Dodge Ram in Honolulu? (FAQ)
- Who Has Affordable Auto Insurance for a School Permit in Honolulu? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Information for Teen Drivers (GEICO)
- Comprehensive Coverage (Liberty Mutual)
- Credit Impacts Car Insurance Rates (State Farm)