Best Insurance for a Saturn Outlook in Honolulu

Remarkably, a study showed that the vast majority of Hawaii insurance customers kept their policy with the same company for more than four years, and roughly 40% of drivers have never shopped around. Drivers in America could save an average of approximately $859 each year by just comparing quotes, but most tend to underestimate the big savings they would realize if they switched to a more affordable policy.

Insurance quote for Saturn Outlook in HonoluluIt takes a few minutes, but the best way to save on Saturn Outlook insurance in Honolulu is to do a yearly price comparison from providers who sell insurance in Hawaii. Prices can be compared by following these steps.

  1. Learn about policy coverages and the modifications you can make to prevent high rates. Many rating criteria that increase rates like distracted driving and a low credit score can be eliminated by being financially responsible and driving safely. Continue reading for more information to get cheaper rates and get additional discounts that may have been overlooked.
  2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices from many different companies.
  3. Compare the new quotes to the premium of your current policy and see if you can save money. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
  4. Notify your agent or company to cancel your current policy. Submit a completed application and payment to your new carrier. When you receive it, place your new certificate verifying coverage somewhere easily accessible.

One thing to remember is to make sure you enter the same physical damage deductibles and liability limits on every quote and and to analyze as many companies as possible. This guarantees a fair price comparison and a good representation of prices.

Buying the lowest-priced protection in Honolulu is actually quite simple. If you have a policy now or are looking for a new policy, you can learn to lower your rates while maximizing coverage. Comparison shoppers just need to understand the most efficient way to compare different rates over the internet.

Finding cheaper Saturn Outlook auto insurance prices is a great way to save money. You just have to take a couple of minutes to get quotes from online providers.

Getting free price quotes online is quite simple, and it makes it obsolete to drive around to each insurance agency near you. Doing it all online has made agencies unnecessary unless you require the personal advice of a licensed agent. Although, it is possible obtain prices from the web and still use a local agent.

The companies shown below can provide price comparisons in Hawaii. If several companies are displayed, it’s a good idea that you visit several of them in order to find the lowest rates.

Coverage information

The premium information displayed next highlights detailed analysis of insurance costs for Saturn Outlook models. Understanding how auto insurance policy rates are established is important to be able to make decisions on which coverage to buy.

Saturn Outlook Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $210 $318 $272 $16 $82 $898 $75
Outlook XV 2WD $210 $318 $272 $16 $82 $898 $75
Outlook XE Premium 2WD $234 $374 $272 $16 $82 $978 $82
Outlook XE AWD $234 $374 $272 $16 $82 $978 $82
Outlook XE Premium AWD $234 $374 $272 $16 $82 $978 $82
Outlook XR-L 2WD $234 $374 $272 $16 $82 $978 $82
Outlook XR-L AWD $234 $374 $272 $16 $82 $978 $82
Outlook XR-L Premium 2WD $234 $374 $272 $16 $82 $978 $82
Outlook XR-L Premium AWD $234 $374 $272 $16 $82 $978 $82
Get Your Own Custom Quote Go

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can increase or decrease coverage prices noticeably.

Choosing deductibles

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The tables below may help to illustrate the rate differences when you select higher and lower comp and collision deductibles. The first rate table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Saturn Outlook insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $230 $344 $264 $16 $80 $959 $80
Outlook XV 2WD $230 $344 $264 $16 $80 $959 $80
Outlook XE Premium 2WD $258 $406 $264 $16 $80 $1,049 $87
Outlook XE AWD $258 $406 $264 $16 $80 $1,049 $87
Outlook XE Premium AWD $258 $406 $264 $16 $80 $1,049 $87
Outlook XR-L 2WD $258 $406 $264 $16 $80 $1,049 $87
Outlook XR-L AWD $258 $406 $264 $16 $80 $1,049 $87
Outlook XR-L Premium 2WD $258 $406 $264 $16 $80 $1,049 $87
Outlook XR-L Premium AWD $258 $406 $264 $16 $80 $1,049 $87
Get Your Own Custom Quote Go

Saturn Outlook insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $188 $278 $264 $16 $80 $826 $69
Outlook XV 2WD $188 $278 $264 $16 $80 $826 $69
Outlook XE Premium 2WD $210 $328 $264 $16 $80 $898 $75
Outlook XE AWD $210 $328 $264 $16 $80 $898 $75
Outlook XE Premium AWD $210 $328 $264 $16 $80 $898 $75
Outlook XR-L 2WD $210 $328 $264 $16 $80 $898 $75
Outlook XR-L AWD $210 $328 $264 $16 $80 $898 $75
Outlook XR-L Premium 2WD $210 $328 $264 $16 $80 $898 $75
Outlook XR-L Premium AWD $210 $328 $264 $16 $80 $898 $75
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in specific Honolulu garaging location which can change coverage prices significantly.

We can estimate from the data above that using a $250 deductible will cost you about $11 more each month or $132 each year than selecting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 23 months between claims, you would more than likely save some money by selecting a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $85
Average monthly premium for $500 deductibles (subtract): – $74
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important sidenote is that a higher deductible means you will have to pay more of your own money when you file a claim. That will require enough money put aside in order to pay more for the deductible.

Saturn Outlook liability rates compared to full coverage

The information below visualizes the comparison of Saturn Outlook insurance prices with and without full coverage. The costs are based on no claims, a clean driving record, $1,000 deductibles, single status, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no set guideline for phasing out full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Saturn Outlook claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after you pay the deductible. If you are paying more than $400 annually to have full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Shop online but buy locally

A small number of people just prefer to get professional advice from a licensed agent and often times that is recommended Good insurance agents can help you build your policy and will help you if you have claims. A good thing about getting free rate quotes online is you may find cheaper rates and also buy local. Supporting local insurance agencies is especially important in Honolulu.

Find insurance agent in HonoluluAfter filling out this form (opens in new window), your coverage information is submitted to participating agents in Honolulu that can provide free Honolulu auto insurance quotes to get your business. You never need to drive around due to the fact that quote results will go to you instantly. If you want to compare prices from one company in particular, don’t hesitate to go to their quote page and fill out their quote form.

Pick the best car insurance agent in Honolulu for you

If you need to find a good insurance agency, it can be helpful to understand the types of insurance agents and how they can write your policy. Agents in Honolulu are considered either independent agents or exclusive agents depending on their employer. Either one can handle car insurance, but it’s important to point out the differences because it can influence the type of agent you choose.

Independent Car Insurance Agencies

Independent agents do not have single company limitations so they can insure your vehicles with lots of companies and find the cheapest car insurance rates. If they quote lower rates, they simply move your policy to a different company which is easy for the insured. When comparing car insurance rates, you will want to get insurance quotes from at a minimum one independent agency in order to have the best price comparison.

The following are independent agencies in Honolulu that can possibly get you free car insurance quotes.

800 Bethel St # 200Honolulu, HI 96813(808) 538-6938View Map

1100 Alakea St #2600Honolulu, HI 96813(808) 537-1970View Map

1440 Kapiolani Blvd # 950Honolulu, HI 96814(808) 942-5353View Map

View more agents

Exclusive Insurance Agents

Exclusive agents can only write with one company and some examples include State Farm, Allstate and AAA. These agents are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agents are usually well trained on their products and sales techniques and that allows them to sell at a higher price point.

The following are Honolulu exclusive insurance agencies willing to provide price quote information.

1960 Kapiolani Blvd Ste 208Honolulu, HI 96826(808) 955-9090View Map

1370 N King StHonolulu, HI 96817(808) 845-9026View Map

1649 Liliha StHonolulu, HI 96817(808) 834-2222View Map

View more agents

Finding the right insurance agency requires you to look at more than just the quoted price. A good agent in Honolulu will have answers to these questions.

After you get satisfactory answers for all questions you ask and a good coverage price, it’s possible that you found an insurance agency that can be trusted to service your policy. But keep in mind you can cancel your policy at any time so never feel that you are obligated to a policy with no way to switch.