It’s a fact that car insurance companies don’t want you to compare rates. Drivers who shop around at least once a year will, in all likelihood, switch to a new company because they have good chances of finding a more affordable policy. Remarkably, a study showed that drivers who regularly shopped around saved approximately $70 a month as compared to drivers who never shopped around for cheaper prices.
If finding discount rates on insurance is your target objective, learning the best way to quote and compare car insurance can save money and time.
Truthfully, the best way to find more affordable auto insurance rates is to start comparing rates regularly from providers who provide auto insurance in Honolulu. You can compare prices by following these steps.
- Step 1: Take a little time to learn about how insurance works and the measures you can take to keep rates low. Many risk factors that result in higher rates such as speeding and a substandard credit history can be remedied by making minor changes in your lifestyle. This article gives tips to find cheap prices and find more discounts that you may not know about.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers. Begin your rate comparison
- Step 3: Compare the new quotes to your current policy premium to see if a cheaper price is available in Honolulu. 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.
- Step 4: Tell your current company of your intention to cancel the current policy and submit a completed application and payment to the new company. Make sure you keep the new proof of insurance paperwork in an easily accessible location in your vehicle.
A tip to remember is to use identical limits and deductibles on each quote request and and to analyze as many auto insurance providers as possible. This helps ensure the most accurate price comparison and a thorough price selection.
Finding the cheapest auto insurance coverage in Honolulu is much easier if you know where to start. If you already have coverage, you stand a good chance to be able to reduce the price you pay using the techniques covered below. But Hawaii car owners need to learn the way companies set your policy premium because rates are impacted by many factors.
Affordable auto insurance in Honolulu, HI
The providers in the list below offer price quotes in Honolulu, HI. If multiple companies are listed, it’s highly recommended you visit as many as you can in order to find the lowest rates.
Chrysler Sebring insurance rates and statistics
The information shown below showcases a range of insurance coverage prices for Chrysler Sebring models. Learning a little about how auto insurance premiums are formulated helps drivers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $176 | $398 | $300 | $18 | $90 | $982 | $82 |
| Sebring Limited 4-Dr Sedan | $176 | $398 | $300 | $18 | $90 | $982 | $82 |
| Sebring LX 2-Dr Convertible | $198 | $398 | $300 | $18 | $90 | $1,004 | $84 |
| Sebring Touring 2-Dr Convertible | $198 | $398 | $300 | $18 | $90 | $1,004 | $84 |
| Sebring Limited 2-Dr Convertible | $222 | $458 | $300 | $18 | $90 | $1,088 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in vehicle garaging location which can impact auto insurance rates noticeably.
How high should deductibles be?
One of the more difficult decisions when buying car insurance is what deductibles to buy. The comparisons below lay out the differences in premium rates when you buy lower versus higher comp and collision deductibles. The first set of prices uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $204 | $406 | $264 | $16 | $80 | $995 | $83 |
| Sebring Limited 4-Dr Sedan | $204 | $406 | $264 | $16 | $80 | $995 | $83 |
| Sebring LX 2-Dr Convertible | $230 | $406 | $264 | $16 | $80 | $1,021 | $85 |
| Sebring Touring 2-Dr Convertible | $230 | $406 | $264 | $16 | $80 | $1,021 | $85 |
| Sebring Limited 2-Dr Convertible | $258 | $468 | $264 | $16 | $80 | $1,111 | $93 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $126 | $256 | $264 | $16 | $80 | $742 | $62 |
| Sebring Limited 4-Dr Sedan | $126 | $256 | $264 | $16 | $80 | $742 | $62 |
| Sebring LX 2-Dr Convertible | $142 | $256 | $264 | $16 | $80 | $758 | $63 |
| Sebring Touring 2-Dr Convertible | $142 | $256 | $264 | $16 | $80 | $758 | $63 |
| Sebring Limited 2-Dr Convertible | $158 | $294 | $264 | $16 | $80 | $812 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in vehicle garaging location which can increase or decrease coverage rates considerably.
Based on the figures above, using a $250 deductible costs roughly $22 more each month or $264 each year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 34 months between claim filings, you would come out ahead if you opt for a higher deductible.
Car insurance rates by gender and age
The information below illustrates the comparison of Chrysler Sebring car insurance rates for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied.
Lower rates by qualifying for discounts
Companies that sell car insurance do not advertise their entire list of discounts very well, so the list below details some of the best known in addition to some of the lesser obvious credits that may apply to you.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
- Bundle and Save – When you combine your auto and homeowners insurance with one insurance company you could get a discount of up to 20% off your total Sebring insurance premium.
- Good Drivers – Insureds without accidents may save up to 50% more than less cautious drivers.
- Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
- Multiple Cars – Having more than one vehicle on the same insurance policy qualifies for this discount.
- Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off depending on your company.
- Defensive Driver – Completing a course in defensive driver could cut 5% off your bill if your company offers it.
- Theft Prevention System – Cars equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
- Organization Discounts – Being a member of qualifying clubs or civic groups may earn a discount when getting a Honolulu car insurance quote.
It’s important to note that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky. But all discounts should definitely cut your overall bill.
The chart below shows the difference between Chrysler Sebring auto insurance rates with and without discounts. The rates are based on a female driver, no accidents or driving violations, 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, multi-policy, multi-car, safe-driver, homeowner, and claim-free discounts applied.
If you would like to choose from a list of companies who offer discounts in Hawaii, click here.
Will just any policy work for me?
When quoting and comparing coverage online or from an agent for your personal vehicles, there really isn’t a perfect coverage plan. Everyone’s needs are different.
For example, these questions may help you determine whether you would benefit from an agent’s advice.
- Can my babysitter drive my car?
- Is my ex-spouse still covered by my policy?
- How can I find cheaper teen driver insurance?
- Should I buy only the required Hawaii minimum liability coverage?
- Do I need to file an SR-22 for a DUI in Hawaii?
- Should I have a commercial auto policy?
- What is GAP insurance?
- Does coverage extend to my business vehicle?
- What is medical payments coverage?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.
You may require the services of an insurance agent
Some people just prefer to have an agent’s advice and that is recommended in a lot of cases A nice benefit of comparing insurance prices online is that drivers can save money and get better rates and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to local insurance agents that provide free Honolulu car insurance quotes to get your business. You won’t even need to drive around due to the fact that quote results will go to you. You can find the lowest rates AND an agent nearby. If for some reason you want to compare rates from one company in particular, you just need to find their quoting web page to submit a rate quote request.
Choosing an insurance company should depend on more than just a cheap quote. Below are some questions you should ask.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they prorate repair cost based on vehicle mileage?
- Which insurance companies are they affiliated with?
- Are they actively involved in the community?
- What company do they have the most business with?
- Are all drivers listed on the coverage quote?
Exclusive agents vs. Independent agents
If you would like to find a local Honolulu insurance agency, there are two different types of agents and how they can service your needs differently. Agents are considered either exclusive agents or independent agents.
Exclusive Agencies
These agents can only place business with one company like Allstate and State Farm. They usually cannot provide prices from multiple companies so always compare other rates. Exclusive agents receive a lot of sales training on their company’s products and that can be a competitive advantage. Some insured continue to use the same exclusive agent primarily because of high brand loyalty rather than having low rates.
Below are Honolulu exclusive insurance agents willing to provide price quotes.
- Allstate Insurance: Dan Y.W. Au Hoy
931 University Ave Ste 108 – Honolulu, HI 96826 – (808) 944-1854 – View Map - U’ilani Hawelu – State Farm Insurance Agent
1960 Kapiolani Blvd Ste 208 – Honolulu, HI 96826 – (808) 955-9090 – View Map - Sue Ann Lu – State Farm Insurance Agent
210 Ward Ave #116 – Honolulu, HI 96814 – (808) 587-6116 – View Map
Independent Car Insurance Agents
Agents that choose to be independent can sell policies from many different companies so as a result can place your coverage with any number of different companies and get you the best rates possible. To transfer your coverage to a different company, your policy is moved internally and that require little work on your part.
When comparing rates, we highly recommend that you include price quotes from independent agents so that you have a good selection of quotes to compare. They often place coverage with smaller companies which may have better rates.
Listed below are independent insurance agencies in Honolulu that are able to give price quotes.
- Atlas Insurance
1132 Bishop St #1600 – Honolulu, HI 96813 – (808) 533-8728 – View Map - John H Connors Insurance
500 Ala Moana Blvd # 2303 – Honolulu, HI 96813 – (808) 534-7300 – View Map - Insurance Associates, Inc.
800 Bethel St # 200 – Honolulu, HI 96813 – (808) 538-6938 – View Map
The best insurance company isn’t always the cheapest
As you quote Honolulu car insurance, do not skimp on coverage in order to save money. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy the best coverage you can find at the best price while still protecting your assets.
Cheaper Chrysler Sebring insurance in Honolulu is available on the web and also from your neighborhood Honolulu agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not provide rates over the internet and most of the time these smaller providers only sell coverage through independent agents.
We just presented a lot of information how to get a better price on Chrysler Sebring insurance in Honolulu. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheaper Honolulu car insurance quotes. Consumers may even find the biggest savings come from a smaller regional carrier.
Additional information is available below:
- Auto Crash Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance for Hybrid Vehicles in Honolulu? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Honolulu? (FAQ)
- Who Has the Cheapest Auto Insurance for State Employees in Honolulu? (FAQ)
- Who Has Affordable Car Insurance for High School Students in Honolulu? (FAQ)
- How Much are Honolulu Auto Insurance Quotes for a Ford F-150? (FAQ)
- What Car Insurance is Cheapest for a Ford Edge in Honolulu? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Child Safety FAQ (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Teen Driving and Texting (State Farm)