Affordable Quotes for Chrysler Sebring Insurance in Honolulu

Insurance rates Chrysler Sebring in HonoluluIt’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.

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.

Chrysler Sebring Insurance Rates in Honolulu, HI
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
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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.

Chrysler Sebring insurance premium estimates with $250 deductibles
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
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Chrysler Sebring insurance premium estimates with $1,000 deductibles
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
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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.

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.

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.

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.

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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.

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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.

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