Cutting costs on Volkswagen e-Golf insurance in Honolulu might be kind of frustrating for drivers new to comparing rates online. People have so many agents and companies to choose from that it can easily be a real difficult job to find the lowest price on Volkswagen e-Golf insurance.
Steps to buying affordable Volkswagen e-Golf insurance in Honolulu
The easiest way to find affordable quotes for Volkswagen e-Golf insurance is to start comparing prices yearly from insurance carriers who provide auto insurance in Honolulu.
- First, it will benefit you to learn about how companies price auto insurance and the things you can control to lower rates. Many risk factors that drive up the price such as inattentive driving and an unacceptable credit score can be amended by paying attention to minor details.
- Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers.
- Third, compare the new rates to your existing rates and determine if cheaper e-Golf coverage is available. If you can save money and make a switch, ensure there is no coverage lapse between policies.
- Fourth, give notification to your agent or company of your intention to cancel your current coverage. Submit the signed application along with the required initial payment to your new insurance company. Don’t forget to keep your new proof of insurance certificate above your visor, in the console, or in the glove compartment.
One bit of advice is to try to use similar limits and deductibles on every price quote and and to get price estimates from as many auto insurance providers as possible. Doing this guarantees an accurate price comparison and the best price quote selection.
It’s astonishing, but the vast majority of consumers kept their coverage with the same insurance company for at least four years, and about 40% of consumers have never shopped around. Many consumers in the United States could cut their rates by as much as 47% a year, but most just don’t grasp the benefits if they just switched companies.
Auto insurance providers offering affordable prices in Hawaii
The companies shown below offer free rate quotes in Honolulu, HI. If several companies are displayed, we recommend you compare several of them to get the best price comparison.
Affordable Volkswagen e-Golf insurance in Honolulu
Car insurance companies don’t always advertise every available discount in an easy-to-find place, so here is a list both well-publicized and also the more inconspicuous credits that you can use to lower your rates.
- ABS Brakes – Cars equipped with ABS or steering control have fewer accidents and will save you 10% or more on e-Golf insurance in Honolulu.
- Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.
- No Charge for an Accident – Not necessarily a discount, but some insurance companies allow you one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
- Bundled Policy Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
- Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
- Early Switch Discount – A few companies offer discounts for renewing your policy prior to your current e-Golf insurance policy expiring. This can save 10% or more.
- Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
- Homeowners Savings – Simply owning a home can help you save on auto insurance since home ownership requires a higher level of personal finance.
- Active Military Service – Having a deployed family member could be rewarded with lower prices.
Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.
Some of the insurance companies that may offer policyholders these benefits possibly include:
If you need affordable Honolulu car insurance quotes, ask each insurance company which discounts they offer. All car insurance discounts might not be available to policyholders in Honolulu. If you would like to choose from a list of insurance companies that offer multiple discounts in Hawaii, follow this link.
Local agents and car insurance
A lot of people would prefer to get advice from a local agent. A good thing about comparing rate quotes online is the fact that drivers can get better rates and still buy from a local agent. Buying from and supporting local insurance agents is especially important in Honolulu.
Upon completion of this form (opens in new window), the coverage information is emailed to participating agents in Honolulu who can give free rate quotes for your coverage. There is no reason to find an agent because prices are sent instantly to you. Get lower rates and work with a local agent. If you need to compare rates for a specific company, feel free to visit that company’s website and fill out the quote form the provide.
Picking the best insurer requires you to look at more than just the premium amount. Here are some questions you might want to ask.
- Will the agent help in case of a claim?
- How are they compensated?
- Are they full-time agents?
- How long has their agency been open in Honolulu?
- Does the agent have professional designations like CIC, CPCU or AIC?
Upon getting good answers to these questions and a good coverage price, you may have just found an insurance company that meets the criteria to insure your vehicles. But keep in mind consumers can cancel your coverage at any point so don’t feel that you’re stuck with a policy for the entire policy term.
Honolulu auto insurance company ratings
Ending up with the right car insurance company can be a challenge considering how many companies there are in Honolulu. The company ratings shown next can help you choose which coverage providers you want to consider comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Insurance coverage breakdown
Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, doctor visits and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Collision coverage
Collision insurance pays for damage to your e-Golf resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things like damaging your car on a curb, crashing into a building, scraping a guard rail and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible on your e-Golf in order to get cheaper collision rates.
Comprehensive insurance
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things such as a broken windshield, damage from flooding, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Volkswagen e-Golf.
Since a lot of drivers only purchase the least amount of liability that is required (Hawaii limits are 20/40/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liability limits.
Auto liability
This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 20/40/10 that means you have a limit of $20,000 per injured person, a per accident bodily injury limit of $40,000, and property damage coverage for $10,000. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage pays for things like attorney fees, court costs and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford. Hawaii requires minimum liability limits of 20/40/10 but you should think about purchasing better liability coverage.
The next chart demonstrates why minimum state limits may not be adequate coverage.
Don’t give up on cheaper coverage
We covered some good ideas how to shop for Volkswagen e-Golf insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on insurance is with an unexpected company.
Budget-conscious Volkswagen e-Golf insurance can be found on the web in addition to local insurance agencies, and you should be comparing both to have the best selection. Some insurance companies don’t offer online quoting and many times these regional insurance providers sell through independent insurance agents.
Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, delays in responding to claim requests, questionable increases in premium and even lack of trust in their agent. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.
Steps to saving on Volkswagen e-Golf insurance in Honolulu
Really, the only way to get cheaper Volkswagen e-Golf insurance is to compare quotes once a year from companies in Honolulu. Prices can be compared by following these guidelines.
Step 1: Spend a few minutes and learn about auto insurance and the modifications you can make to keep rates down. Many factors that result in higher rates like distracted driving and a negative credit score can be amended by making minor changes to your lifestyle.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can quote rates for a wide range of insurance providers.
Step 3: Compare the new quotes to your current policy premium and determine if cheaper e-Golf coverage is available. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.
A good piece of advice is to make sure you enter similar limits and deductibles on each quote request and and to get price estimates from as many companies as possible. This helps ensure a level playing field and maximum price selection.
Even more information can be read in these articles:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for State Employees in Honolulu? (FAQ)
- Who Has Cheap Honolulu Auto Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
- Who Has Affordable Car Insurance for High School Students in Honolulu? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for 16 Year Olds in Honolulu? (FAQ)
- Who Has Affordable Auto Insurance for a School Permit in Honolulu? (FAQ)
- Teen Driving Statistics (iihs.org)
- Liability Insurance Coverage (Nationwide)
- Booster Seat Ratings (iihs.org)
- Event Data Recorders FAQ (iihs.org)