Amazingly, a recent NerdWallet.com study showed that most auto insurance buyers kept their policy with the same company for four years or more, and nearly 40% of drivers have never even compared quotes to find cheaper rates. Many drivers in Honolulu can cut their rates by $400 a year, but they don't want to take the time to compare rate quotes.
Truthfully, the best way to find affordable Audi TTS insurance in Honolulu is to compare prices once a year from insurance carriers in Hawaii. You can compare prices by completing these steps.
First, read and learn about how insurance companies determine prices and the measures you can control to prevent rate increases. Many rating factors that cause rate increases such as at-fault accidents and a poor credit rating can be amended by improving your driving habits or financial responsibility. This article gives more ideas to prevent high prices and find overlooked discounts.
Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while independent agencies can quote prices for many different companies.
Third, compare the quotes to your existing rates to see if you can save by switching companies. If you can save money and buy the policy, verify that coverage does not lapse between policies.
Fourth, provide proper notification to your current company to cancel the current policy and submit a completed application and payment to your new company or agent. As soon as you can, safely store the certificate verifying coverage somewhere easily accessible.
An important note is to use the same deductibles and limits on each quote request and and to get rates from all possible companies. This helps ensure a fair price comparison and and a good selection of different prices.
Many insurance companies give pricing online. Doing online price comparisons for Audi TTS insurance in Honolulu is pretty painless as you just enter the coverage amounts you desire as requested by the quote form. Once you submit the form, their rating system obtains reports for credit and driving violations and generates a price based on the information you submitted.
This helps simplify price comparisons, and it is imperative to get many rate quotes if you are searching for a lower rate.
To compare pricing, compare rate quotes from the providers shown below. If you have a policy now, it's recommended you complete the form with the coverages as close as possible to your current policy. Doing this assures you will be getting rate quotes for similar insurance coverage.
The following companies have been selected to offer price comparisons in Hawaii. If more than one company is shown, we suggest you visit two to three different companies to get the best price comparison.
Why do I need car insurance?
Despite the potentially high cost of Audi TTS insurance, insurance is required by state law in Hawaii and it also provides benefits you may not be aware of.
- Almost all states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage in order to drive the car legally. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your vehicle has a lienholder, it's most likely the lender will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank may insure your Audi at an extremely high rate and make you pay for the expensive policy.
- Insurance preserves both your Audi TTS and your personal assets. It also can pay for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your Audi gets damaged, your insurance policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are definitely more than the cost, specifically if you ever have a liability claim. The average driver in America is currently overpaying as much as $850 per year so compare rate quotes at every renewal to help ensure money is not being wasted.
These five discounts can slash Audi TTS insurance rates
Car insurance is expensive, but there are discounts available that could drop your premiums quite a bit. Some of these discounts will be visible at the time of quoting, but a few must be manually applied before you get the savings.
- Braking Control Discount - Cars equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
- Responsible Driver Discounts - Insureds without accidents can save up to 40% or more on their Honolulu car insurance quote than drivers with accidents.
- Distant Student Discount - Children living away from Honolulu attending college and do not take a car to college may be insured at a cheaper rate.
- Discount for Passive Restraints - Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
- Paperless Signup - Certain car insurance companies will give a small break for signing up on the web.
As a sidenote, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.
A few companies that may offer these money-saving discounts possibly include:
When getting free Honolulu car insurance quotes, it's a good idea to every company which discounts can lower your rates. Savings may not apply to policies in your area. To locate insurers that can offer you the previously mentioned discounts in Honolulu, click here.
Local neighborhood Honolulu car insurance agents
A small number of people still prefer to get professional advice from a licensed agent and that can be a great decision Most agents are trained risk managers and help you file claims. A nice benefit of comparing rates online is you can get the best rates and still buy from a local agent. Buying from and supporting small agencies is still important in Honolulu.
For easy comparison, once you complete this quick form, your insurance coverage information gets sent to agents in your area that can provide free Honolulu car insurance quotes for your insurance coverage. It's much easier because you don't need to visit any agencies since price quotes are sent to you. If you need to compare prices from one company in particular, you would need to find their quoting web page and give them your coverage information.
Compare rates from both independent and exclusive car insurance agents
If you are searching for a reputable insurance agent or broker, you need to know there are two types of insurance agents to choose from. Honolulu agents are categorized either independent or exclusive. Either one can sell and service car insurance coverage, but it is a good idea to know why they differ because it may have an impact on which agent you choose.
Independent Car Insurance Agents
These type of agents do not write with just one company so they can quote policies through many different car insurance companies and potentially find a lower price. If you are not satisfied with one company, your policy is moved internally which requires no work on your part. If you are trying to find cheaper rates, you definitely need to get quotes from a few independent agents to maximize your price options. Most independent agents also contract with different regional companies that may have much lower rates than larger companies.
Below are Honolulu independent insurance agencies who may be able to give you price quote information.
- Atlas Insurance
1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map
- Cornerstones Financial and Insurance Agency
250 Ward Ave #220 - Honolulu, HI 96814 - (808) 626-5068 - View Map
- Rosten Y Tsuha Insurance Agency Inc
1350 S King St #303 - Honolulu, HI 96814 - (808) 591-5545 - View Map
Exclusive Car Insurance Agencies
Agents of this type can only quote rates from one company and examples are AAA, Allstate, and State Farm. These agents are unable to compare rates from other companies so they have to upsell other benefits. These agents are very knowledgeable on what they offer and that allows them to sell at a higher price point. Consumers frequently use the same agent mainly due to high brand loyalty rather than having low rates.
Shown below is a short list of exclusive insurance agencies in Honolulu who can help you get rate quotes.
- Cindy Perkins - State Farm Insurance Agent
1313 S Beretania St #100 - Honolulu, HI 96814 - (808) 593-8221 - View Map
- Allstate Insurance: Bradley Maruyama
800 S Beretania St Ste 260 - Honolulu, HI 96813 - (808) 591-8016 - View Map
- Larry Bolibol - State Farm Insurance Agent
2153 N King St #108a - Honolulu, HI 96819 - (808) 847-0835 - View Map
Finding the right insurance agency should include more criteria than just a low price. Before buying a policy in Honolulu, get answers to these questions.
- How are claims handled?
- What insurance companies do they work with in Honolulu?
- How long has their agency been open in Honolulu?
- What discounts might you be missing?
- Where are claims handled?
- Do they offer claims assistance after hours?
- Can they help ensure a fair claim settlement?
- How experienced are they in personal risk management?
If you feel you receive positive responses to your questions and locked in a price quote, it's possible that you found an insurance agency that can properly service your car insurance policy.
Which auto insurance company is best in Honolulu?
Insuring your vehicle with the right insurance company can be challenging considering how many different companies sell coverage in Honolulu. The ranking data listed below may help you choose which companies you want to consider purchasing a policy from.
Top 10 Honolulu Car Insurance Companies by A.M. Best Rank
- USAA - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Progressive - A+
- The Hartford - A+
- AAA Insurance - A
- Liberty Mutual - A
Top 10 Honolulu Car Insurance Companies Ranked by Customer Satisfaction
- USAA - 94%
- AAA Insurance - 91%
- State Farm - 90%
- Nationwide - 90%
- The Hartford - 89%
- GEICO - 89%
- Liberty Mutual - 88%
- Allstate - 88%
- Esurance - 87%
- Progressive - 87%
The coverage is in the details
Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like nursing services, dental work, funeral costs and surgery. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist 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 Audi TTS.
Due to the fact that many Hawaii drivers have only the minimum liability required by law (20/40/10 in Hawaii), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn't cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 20/40/10 that translate to $20,000 bodily injury coverage, a limit of $40,000 in injury protection per accident, and $10,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as bail bonds, repair bills for other people's vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it's cheap coverage so purchase as high a limit as you can afford. Hawaii requires drivers to carry at least 20/40/10 but it's recommended drivers buy more coverage.
The chart below demonstrates why minimum state limits may not be high enough to adequately cover claims.
Coverage for collisions
Collision coverage will pay to fix damage to your TTS caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible on your TTS to get cheaper collision coverage.
This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as vandalism, hail damage, falling objects and hitting a deer. The most your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.
As you restructure your insurance plan, don't be tempted to buy poor coverage just to save money. Too many times, an insured dropped comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The goal is to buy enough coverage at a price you can afford, but do not skimp to save money.
Insureds switch companies for any number of reasons including delays in responding to claim requests, lack of trust in their agent, poor customer service or high prices. Regardless of your reason, switching auto insurance companies is not as hard as you think.
More affordable auto insurance in Honolulu is definitely available both online as well as from independent agents in Honolulu, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer price quotes online and many times these regional insurance providers sell through independent insurance agents.
Other learning opportunities
- Frontal Crash Tests (iihs.org)
- Who Has the Cheapest Car Insurance Rates for a Company Car in Honolulu? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Highlander in Honolulu? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Chevrolet Silverado in Honolulu? (FAQ)
- Who Has the Cheapest Auto Insurance for Lyft Drivers in Honolulu? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Safety Belts FAQ (iihs.org)
- Medical Payments Coverage (Liberty Mutual)
- Teen Driving and Texting (State Farm)