A recent insurance study discovered that most insurance buyers have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never even compared quotes to find lower-cost rates. With the average insurance premium being $962, Hawaii drivers could save nearly 40% every year by just shopping around, but they don’t believe how much they could save if they switched to a more affordable policy.
Really, the only way to save on Chevy TrailBlazer insurance is to compare quotes once a year from companies in Honolulu.
First, get an understanding of what is in your policy and the changes you can make to prevent expensive coverage. Many factors that drive up the price like multiple speeding tickets and bad credit can be improved by paying attention to minor details.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while independent agents can provide prices for a wide range of companies. View companies
Third, compare the new quotes to the price on your current policy and determine if cheaper TrailBlazer coverage is available. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
A crucial key to this process is that you use identical coverage information on each price quote and and to get quotes from as many carriers as you can. This ensures a level playing field and a complete rate analysis.
These tips will help educate you on the best way to buy inexpensive insurance and also save some money in the process If you are insured now, you will most likely be able to find better prices using these techniques. Nevertheless, Hawaii car owners can benefit by having an understanding of how the larger insurance companies calculate your policy premium and apply this information to your search.
Companies offering Chevy TrailBlazer insurance in Honolulu
The following companies provide price comparisons in Honolulu, HI. If the list has multiple companies, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Discounts can help save money on Chevy TrailBlazer insurance in Honolulu
Car insurance is not an enjoyable expense, but discounts can save money and there are some available that you may not know about. Many of these discounts will be applied automatically when you get a quote, but some discounts are required to be asked about before you will receive the discount.
- Early Renewal Discounts – Some larger companies give discounts for switching policies prior to your current TrailBlazer insurance policy expiring. You could save around 10% when you buy Honolulu auto insurance online.
- Multi-car Discount – Having multiple vehicles with the same car insurance company could earn a price break for each car.
- Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a Honolulu auto insurance quote.
- Active Service Discounts – Being on active duty in the military may qualify for rate reductions.
- Driver Education Discount – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
- Paperwork-free – Some of the larger companies will give a small break for buying your policy online.
- Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more off PIP or medical payments premium.
Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, you’re out of luck.
If you would like to choose from a list of insurers that offer many of these discounts in Hawaii, follow this link.
There’s no such thing as the perfect insurance policy
Always remember that when buying adequate coverage, there really isn’t a cookie cutter policy. Every insured’s situation is different and your insurance should unique, too.
For instance, these questions may help highlight whether you might need an agent’s assistance.
- Will my Chevy TrailBlazer be repaired with OEM or aftermarket parts?
- Are rock chip repairs covered?
- Does car insurance cover theft of personal property?
- What does PIP insurance cover?
- Is business property covered if stolen from my car?
- Is my state a no-fault state?
- Why are teen drivers so expensive to add on to my policy?
- Am I covered if I have no license?
- Are my friends covered when driving my Chevy TrailBlazer?
- When should I remove comp and collision on my Chevy TrailBlazer?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Shop online but buy locally
Many people prefer to buy from a licensed agent. One of the great benefits of price shopping on the web is that drivers can save money and get cheap car insurance rates but also keep your business local. And providing support for local agents is still important in Honolulu.
For easy comparison, once you complete this short form, the quote information is emailed to companies in Honolulu that provide free Honolulu auto insurance quotes for your coverage. You won’t even need to leave your computer since rate quotes are delivered to you. Get lower rates and a licensed agent to work with. If you want to quote rates from a specific company, just visit that company’s website and complete a quote there.
Choose the right auto insurance agent
When researching a reliable insurance agent, it’s important to understand the types of agencies and how they differ in how they quote coverages. Agents can be classified as either independent or exclusive depending on the company they work for.
Independent Agents (or Brokers)
Independent insurance agents are appointed with more than one company and that is an advantage because they can write policies with many different companies and help determine which has the cheapest rates. If they find a cheaper price, the business is moved internally and you can keep the same agent.
If you need lower rates, it’s a good idea to include rate quotes from at a minimum one independent agency in order to have the best price comparison. They often place coverage with small regional insurance companies which may provide better rates.
The following are Honolulu independent insurance agents who may provide cheap rate quotes.
- Rosten Y Tsuha Insurance Agency Inc
1350 S King St #303 – Honolulu, HI 96814 – (808) 591-5545 – View Map
- Anita Butay Diniega
1088 Bishop St #2210 – Honolulu, HI 96813 – (808) 841-5915 – View Map
- Royal State National Insurance Company
819 S Beretania St – Honolulu, HI 96813 – (808) 539-1600 – View Map
Agents of this type write business for a single company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on the products they sell which helps offset the inability to provide other markets. Many people buy from exclusive agents mainly due to the prominent brand name instead of buying on price only.
Shown below is a short list of exclusive agents in Honolulu that can give you price quote information.
- Marilyn Jacobe – State Farm Insurance Agent
1125 N King St #303 – Honolulu, HI 96817 – (808) 254-7028 – View Map
- Allstate Insurance: Erick Ellgren
1806 S King St Ste 32 – Honolulu, HI 96826 – (808) 941-2886 – View Map
- Kaina Kauahi – State Farm Insurance Agent
560 N Nimitz Hwy #217f – Honolulu, HI 96817 – (808) 524-9997 – View Map
Finding the right insurance agent needs to be determined by more than just the quoted price. A good agent in Honolulu will have answers to these questions.
- Can you get a list of referrals?
- Is the agency active in community causes in Honolulu?
- How experienced are they in personal risk management?
- Are they giving you every discount you deserve?
- Is assistance available after office hours?
- Is working in the agency their full-time job?
Auto insurance coverages explained
Understanding the coverages of your auto insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by auto insurance companies.
Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like hitting a deer, hail damage and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like colliding with a tree, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your TrailBlazer in order to get cheaper collision rates.
Liability auto insurance – This coverage protects you from damage that occurs to people or other property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 20/40/10 which stand for $20,000 bodily injury coverage, a total of $40,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for things such as funeral expenses, pain and suffering, repair bills for other people’s vehicles, bail bonds and court costs. How much liability should you purchase? That is your choice, but buy higher limits if possible. Hawaii state minimum liability requirements are 20/40/10 but drivers should carry higher limits.
The chart below demonstrates why buying minimum limits may not be high enough to cover claims.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy TrailBlazer.
Since many Hawaii drivers have only the minimum liability required by law (20/40/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these limits do not exceed the liability coverage limits.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses such as funeral costs, pain medications and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Honolulu auto insurance company ratings
Ending up with a high-quality auto insurance company can be challenging considering how many companies are available to choose from in Honolulu. The company information shown next may help you choose which companies you want to consider when comparing rates.
Top 10 Honolulu Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- The Hartford
- Farmers Insurance
Shop smart and save
We covered many ways to lower your Chevy TrailBlazer insurance prices in Honolulu. The key thing to remember is the more you quote Honolulu auto insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with the smaller companies. These smaller insurers may often insure only within specific states and give better rates compared to the large companies like Allstate or State Farm.
While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice collision coverage and discovered at claim time that they should have had better coverage. The aim is to get the best coverage possible at the best price, not the least amount of coverage.
To read more, feel free to visit these articles:
- Frontal Crash Tests (iihs.org)
- Who Has Cheap Auto Insurance Rates for a Subaru Outback in Honolulu? (FAQ)
- Who Has the Cheapest Auto Insurance for Lyft Drivers in Honolulu? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Booster Seat Ratings (iihs.org)