Cheapest Mazda 3 Insurance in Honolulu

Insurance quote for Mazda 3 in HonoluluSmart shoppers know that car insurance companies don’t want their policyholders to compare prices. Insureds who shop around at least once a year will presumably buy a different policy because there is a good probability of finding a more affordable policy. A recent survey revealed that drivers who compared rates annually saved on average $865 annually compared to those who never compared other company’s rates.

If finding the most affordable car insurance in Honolulu is your goal, then understanding the best ways to find and compare car insurance can save time and money.

The best way we recommend to get cheaper car insurance rates in Honolulu is to start doing a yearly price comparison from providers in Hawaii.

  1. It will benefit you to learn about what is in your policy and the modifications you can make to keep rates low. Many rating factors that cause high rates like at-fault accidents, speeding tickets, and a bad credit score can be amended by making minor changes to your lifestyle. Read the full article for tips to get affordable coverage and get discounts that may be overlooked.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agencies can provide prices for a wide range of companies.
  3. Compare the price quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.

The key thing to know about shopping around is to try to use the same level of coverage on every price quote and and to get quotes from as many companies as feasibly possible. This provides an accurate price comparison and a thorough selection of prices.

When quoting auto insurance, remember that quoting more will improve the odds of getting lower pricing.

The companies shown below can provide comparison quotes in Honolulu, HI. If multiple providers are shown, we suggest you click on several of them to get a more complete price comparison.

Analysis of Mazda 3 rates

The premium information displayed next highlights detailed analysis of insurance premium costs for Mazda 3 models. Being able to understand how insurance rates are determined can benefit drivers when making smart choices when buying a policy.

Mazda 3 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $196 $390 $344 $20 $104 $1,054 $88
3 I SV 4-Dr Sedan $196 $390 $344 $20 $104 $1,054 $88
3 I Touring 4-Dr Sedan $196 $458 $344 $20 $104 $1,122 $94
3 S Sport 4-Dr Hatchback $222 $458 $344 $20 $104 $1,148 $96
3 S Sport 4-Dr Sedan $222 $458 $344 $20 $104 $1,148 $96
3 S Grand Touring 4-Dr Hatchback $222 $458 $344 $20 $104 $1,148 $96
3 S Grand Touring 4-Dr Sedan $222 $458 $344 $20 $104 $1,148 $96
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific Honolulu garaging location which can impact insurance rates substantially.

The information below highlights how deductible choice and can change Mazda 3 insurance rates for different ages of insureds. The data assumes a married male driver, full physical damage coverage, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The example below illustrates the difference between Mazda 3 insurance costs with full coverage compared to only the Hawaii minimum liability coverage. The rates are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no exact formula of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Mazda 3 replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying the physical damage deductible. If you are paying over $400 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some situations where removing full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not drop full coverage.

Three good reasons to insure your Mazda vehicle

Even though Honolulu 3 insurance rates can get expensive, insurance serves an important purpose.

The benefits of having auto insurance outweigh the cost, especially for larger claims. On average, a vehicle owner in Honolulu is wasting up to $869 every year so it’s recommended you shop around at least once a year to help ensure money is not being wasted.

Informed Decisions Result in Lower Insurance Premiums

Many things are used in the calculation when premium rates are determined. Some are obvious such as traffic violations, but some are not as apparent like your vehicle usage or how safe your car is.

Discounts mean cheaper rates for Mazda 3 insurance in Honolulu

Companies don’t always list every discount they offer very well, so the list below details some of the best known as well as the least known savings tricks you should be using when you buy Honolulu car insurance online.Discount car insurance

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

The example below illustrates the comparison of Mazda 3 insurance prices with and without discounts applied. The premiums are based on a male driver, no claims or violations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, claim-free, marriage, and multi-policy discounts applied.

If you would like to choose from a list of companies that offer many of these discounts in Hawaii, click this link.

When in doubt talk to an agent

When it comes to coverage online or from an agent, there really is no best way to insure your cars. Every situation is different and your car insurance should unique, too.Drive safe and save
For example, these questions may help highlight whether your personal situation will benefit from professional help.

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Local Honolulu car insurance agents

Many drivers prefer to visit with an insurance agent and that is a personal choice. An additional benefit of comparing rates online is that drivers can save money and get cheap rate quotes and still have an agent to talk to. And buying from neighborhood agents is especially important in Honolulu.

Find insurance agent in HonoluluOnce you complete this form (opens in new window), your insurance coverage information is submitted to local insurance agents in Honolulu who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to leave your computer because prices are sent straight to your inbox. You’ll get the best rates and work with a local agent. If for some reason you want to get a comparison quote from a particular provider, don’t hesitate to jump over to their website and fill out the quote form the provide.

If you prefer to buy auto insurance from a local Honolulu insurance agency, there are a couple of types of agencies and how they operate. Auto insurance agents are considered either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Agents that choose to be independent do not sell for just one brand so as a result can place your coverage through many companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move your policy to a different company which is easy for the insured.

When comparison shopping, you will want to get rate quotes from a few independent agents to get the best comparison.

Shown below is a list of independent insurance agencies in Honolulu who can help you get price quote information.

819 S Beretania StHonolulu, HI 96813(808) 539-1600View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map

1088 Bishop St #2210Honolulu, HI 96813(808) 841-5915View Map

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Exclusive Agents

Agents that choose to be exclusive can only write with one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are unable to compare rates from other companies so they are skilled at selling on more than just price. They are well schooled on their company’s products and that enables them to sell even at higher rates.

Shown below is a list of exclusive agencies in Honolulu who can help you get price quote information.

7192 Kalanianaole Hwy g210Honolulu, HI 96825(808) 395-3434View Map

600 Kapiolani Blvd #210Honolulu, HI 96813(808) 599-7666View Map

677 Ala Moana Blvd Ste 310Honolulu, HI 96813(808) 951-0866View Map

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Deciding on an car insurance agent should include more criteria than just a cheap quote. Any good agent in Honolulu should know the answers to these questions.

A conclusion for your auto insurance search

Low-cost Mazda 3 insurance in Honolulu can be bought both online as well as from insurance agents, so get free Honolulu car insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and most of the time these small insurance companies only sell coverage through independent agencies.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at the best cost.

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