Cheap Insurance for a Land Rover LR3 in Honolulu

It’s a fact that auto insurance companies don’t want you to look at other companies. Insureds who get price quotes annually will most likely move their business because they stand a good chance of finding a more affordable policy premium. Surprisingly, a recent survey revealed that people who regularly compared rates saved on average $70 a month as compared to drivers who never shopped around for better prices.

If finding discount rates on auto insurance in Honolulu is your ultimate goal, knowing the best way to quote and compare coverages can make it easier to find better rates.

Insurance rates Land Rover LR3 in HonoluluIf your goal is the lowest price, then the best way to get more affordable auto insurance rates in Honolulu is to do a yearly price comparison from insurance carriers who sell auto insurance in Hawaii. Rates can be compared by following these steps.

First, take a few minutes and learn about how companies price auto insurance and the steps you can take to prevent rate increases. Many risk factors that increase rates like at-fault accidents and poor credit can be controlled by making minor driving habit or lifestyle changes.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can quote prices from many different companies.

Third, compare the new rates to your existing coverage to see if a cheaper price is available in Honolulu. If you find a better price, make sure there is no lapse in coverage.

Fourth, give notification to your current company of your intent to cancel your current policy and submit the signed application along with the required initial payment to your new carrier. Once the application is submitted, place the new certificate verifying proof of insurance somewhere easily accessible.

One thing to remember is to make sure you’re comparing the same amount of coverage on each price quote and and to get price quotes from as many different insurance providers as possible. This provides a fair rate comparison and the best price quote selection.

If you are already insured or just want a better rate, you can use these techniques to save money without having to cut coverage. This information will help you learn how car insurance quotes work and also save some money in the process Shoppers just have to know the most efficient way to shop for car insurance from many different companies.

The companies shown below have been selected to offer free quotes in Honolulu, HI. If multiple companies are shown, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.

Car insurance protects more than just your car

Despite the fact that car insurance is not cheap in Honolulu, buying car insurance is not optional due to several reasons.

The benefits of insuring your LR3 more than cancel out the cost, particularly for liability claims. An average driver in America is overpaying over $865 each year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Auto insurance coverage information

Knowing the specifics of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.


Liability insurance will cover damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 20/40/10 which means $20,000 in coverage for each person’s injuries, a total of $40,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, pain and suffering, funeral expenses and attorney fees. How much coverage you buy is your choice, but you should buy as large an amount as possible. Hawaii requires drivers to carry at least 20/40/10 but drivers should carry better liability coverage.

The chart below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Land Rover LR3.

Because many people have only the minimum liability required by law (Hawaii limits are 20/40/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like funeral costs, prosthetic devices, nursing services and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, fire damage and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible on your LR3 to save money on collision insurance.