Want to know an easy way to compare cheaper auto insurance rates in Honolulu, HI? Honolulu consumers have many options when looking for affordable Toyota Avalon insurance. They can either waste time driving around to compare prices or utilize the internet to get rate quotes. There are both good and bad ways to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage for a Toyota and obtain the best price possible either online or from Honolulu insurance agents.
All the larger auto insurance companies like Allstate and Progressive provide price estimates on their websites. Comparing prices online for Toyota Avalon insurance in Honolulu is quite easy as you just type in your coverage information as requested by the quote form. Once you submit the form, the quote system gets reports for credit and driving violations and generates pricing information based on the information you submitted.
Getting online price quotes for Toyota Avalon insurance in Honolulu makes it a lot easier to compare rates and it’s absolutely necessary to perform this step if you are searching for a better rate.
In order to compare rates using this form now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you copy the coverages as shown on your current policy. This guarantees you will receive rate quotes based on identical coverages.
The auto insurance companies shown below are our best choices to provide free quotes in Hawaii. If multiple providers are shown, we recommend you get prices from several of them to get a more complete price comparison.
Rates and detailed analysis
The premium table displayed next outlines detailed analysis of insurance premium costs for Toyota Avalon models. Having knowledge of how insurance premiums are determined can help drivers make smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can change premiums greatly.
The information below shows how different deductible levels and can change Toyota Avalon annual premium costs for different categories of driver ages. The prices are based on a single female driver, full coverage, and no other discounts are factored in.
Choosing the best vehicle insurance in Hawaii is an important decision
Despite the high insurance cost for a Toyota Avalon in Honolulu, insurance is mandatory in Hawaii but it also protects more than you think.
- Just about all states have mandatory insurance requirements which means the state requires specific limits of liability coverage in order to be legal. 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 you bought your Toyota Avalon with a loan, it’s most likely the lender will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender will be forced to insure your Toyota at a much higher rate and make you pay much more than you were paying before.
- Auto insurance protects both your vehicle and your assets. It also can pay for medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance definitely exceed the price paid, particularly if you ever have a claim. Today the average American driver is wasting up to $865 each year so you should quote rates at least once a year to be sure current rates are still competitive.
Smart Consumers Can Slash Their Insurance Costs
One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that come into play when calculating the price you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower insurance prices. Multiple criteria are considered when pricing auto insurance. Some factors are common sense such as your driving record, although some other factors are more obscure like where you live or your commute time.
The factors shown below are some of the things that factor into premiums.
Rates for males may be higher – Over time, data shows women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. Men and women are in at-fault accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations such as reckless driving. Male teenagers are most likely to cause an accident and thus pay the highest rates.
The information below compares Toyota Avalon car insurance costs for male and female drivers. The rates are based on no violations or accidents, full coverage, $500 deductibles, single status, and no policy discounts are applied.
- What are your physical damage deductibles? – Comprehensive and collision coverage deductibles represent how much money you are willing to pay in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some coverage claims would be colliding with a stationary object, damage from fire, and having a roll-over accident. The more you’re willing to pay, the less your company will charge you for insurance.
- Premiums increase with policy add-ons – There are many extra bells and whistles that you can buy when buying insurance. Coverages like rental car coverage, better glass coverage, and additional equipment coverage may be wasting your money. These coverages may sound good when discussing your needs, but if you’ve never needed them in the past consider taking them off your policy.
- Prevent your car from being stolen – Owning a car with a theft deterrent system can earn a premium discount. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
- Getting married reduces risk – Your spouse may earn you lower rates on your policy. It means you’re more stable financially and it’s statistically proven that married drivers tend to file fewer claims.
- Employer and insurance rates – Occupations like military generals, architects, and accountants are shown to have higher rates than average due to job stress and long work days. Conversely, jobs like scientists, athletes and homemakers generally pay rates lower than average.
- Put fewer miles on your vehicle – Driving a lot of miles every year the higher the price you pay to insure it. Almost all companies rate vehicles determined by how the vehicle is used. Cars that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Make sure your vehicle rating is rated on annual mileage, because improper ratings can cost you money. Having the wrong rating on your Avalon may be wasting your money.
Toyota Avalon historical loss data – Insurers factor in insurance loss information to help calculate premium rates. Models that statistically have high amounts or severity of claims will have higher premium rates. The next table shows the historical loss data for Toyota Avalon vehicles.
For each policy coverage, the claim amount for all vehicles compiled together is represented as 100. Percentage numbers below 100 suggest a better than average loss history, while percentage numbers above 100 point to more claims or tendency to have larger claims.
Toyota Avalon Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Avalon 113 72 112 106 98 74 Toyota Avalon Hybrid 120 72 132 107 85 80BETTERAVERAGEWORSE
Statistics from IIHS.org for 2013-2015 Model Years
Do you qualify for discounts on Toyota Avalon insurance in Honolulu?
Insurance is easily one of your largest bills, but you might find some hidden discounts that many people don’t even know exist. A few discounts will be applied at quote time, but a few need to be specially asked for prior to receiving the credit.
- More Vehicles More Savings – Drivers who insure primary and secondary vehicles on one policy may reduce the rate for each vehicle.
- Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote Honolulu car insurance depending on your insurance provider.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if it’s offered in school.
- E-sign Discounts – A few larger online companies will provide an incentive for completing your application on their website.
- Student in College – Any of your kids who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts could see savings up to 30%.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
- Savings for New Vehicles – Adding a new car to your policy can be considerably cheaper because newer models have to meet stringent safety requirements.
- Braking Control Discount – Cars equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you could get a free insurance policy, that’s just not realistic. But all discounts will help reduce the cost of your policy.
The example below compares Toyota Avalon insurance rates with and without discounts applied to the policy premium. The rates are based on a male driver, no claims, a clean driving record, Hawaii state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, claim-free, and multi-policy discounts applied.
A few popular companies and some of the premium reductions they offer are included below.
- State Farm may offer discounts for good student, safe vehicle, driver’s education, anti-theft, accident-free, multiple autos, and multiple policy.
- Farmers Insurance may include discounts for pay in full, business and professional, electronic funds transfer, multi-car, distant student, and teen driver.
- GEICO offers discounts including multi-policy, military active duty, anti-theft, defensive driver, five-year accident-free, and air bags.
- American Family policyholders can earn discounts including Steer into Savings, defensive driver, good driver, accident-free, and early bird.
- Nationwide may have discounts that include anti-theft, easy pay, business or organization, family plan, accident-free, and defensive driving.
- Progressive offers discounts for multi-vehicle, continuous coverage, homeowner, good student, online quote discount, and multi-policy.
Before you buy a policy, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders everywhere.
Your situation helps dictate your coverage
When selecting proper insurance coverage, there is no best way to insure your cars. Each situation is unique.
For instance, these questions may help you determine whether or not you might need professional guidance.
- How can I get the company to pay a claim?
- Why do I only qualify for high-risk insurance?
- Is my nanny covered when transporting my kids?
- Is my custom paint covered by insurance?
- When can I cancel my policy?
- Does having multiple vehicles earn me a discount?
- Which is better, split liability limits or combined limits?
- Does coverage extend to a rental car in a foreign country?
- Does my liability insurance cover pulling a trailer or camper?
- Do I really need UM/UIM coverage?
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.
Are insurance agents of importance?
Many drivers would prefer to get advice from a local agent and that is not a bad decision Insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of comparing insurance prices online is the fact that you can find the lowest rates and still choose a local agent.
After completing this form (opens in new window), your information is sent to local insurance agents in Honolulu that can provide free Honolulu car insurance quotes and help you find cheaper coverage. You never need to visit any agencies since rate quotes are delivered to your email. If you need to get a rate quote for a specific company, just find their quoting web page and give them your coverage information.
Finding the right company requires more thought than just a cheap price. Any agent in Honolulu should be willing to answer these questions.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have any clout with companies to ensure a fair claim settlement?
- What company do they have the most business with?
- Can glass claims be handled at your home?
- Do they feel the quoted coverages are adequate?
- If they are an independent agency in Honolulu, which companies do they recommend?
- How long has their agency been open in Honolulu?
Insurance agent types
If you want to buy insurance from a reputable agency, there are two different agency structures and how they differ in how they quote coverages. Agents in Honolulu can either be independent agents or exclusive agents. Either one can write insurance policies, but it’s good to learn how they are different because it can impact buying decisions.
Exclusive Insurance Agents
Agents in the exclusive channel generally can only insure with one company such as State Farm, Allstate, or Farmers Insurance. These agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are very knowledgeable on what they offer which helps them sell on service rather than price. Many people use the same exclusive agent mainly due to the prominence of the brand rather than having low rates.
Below is a short list of exclusive insurance agents in Honolulu who may provide you with price quotes.
- Cindy Perkins – State Farm Insurance Agent
1313 S Beretania St #100 – Honolulu, HI 96814 – (808) 593-8221 – View Map
- Larry Bolibol – State Farm Insurance Agent
2153 N King St #108a – Honolulu, HI 96819 – (808) 847-0835 – View Map
- Tina Tay – State Farm Insurance Agent
3615 Harding Ave Ste 303 – Honolulu, HI 96816 – (808) 394-5433 – View Map
Independent Insurance Agents
Agents that choose to be independent are not employed by any specific company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, your policy is moved internally which is easy for the insured. When comparison shopping, it’s a good idea to include price quotes from independent agents to ensure the widest selection of prices. Most have the option of insuring with companies that do not advertise much that may have much lower rates than larger companies.
Shown below are independent agencies in Honolulu willing to provide price quote information.
- Royal State National Insurance Company
819 S Beretania St – Honolulu, HI 96813 – (808) 539-1600 – View Map
- Atlas Insurance
1132 Bishop St #1600 – Honolulu, HI 96813 – (808) 533-8728 – View Map
- Cavanah Associates, Inc.
1100 Alakea St #2600 – Honolulu, HI 96813 – (808) 537-1970 – View Map
Honolulu car insurance companies
Finding the right car insurance provider is hard considering how many companies are available to choose from in Hawaii. The ranking data displayed below may help you select which car insurance providers to look at shopping prices with.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Cheaper insurance is a realistic goal
When getting Honolulu car insurance quotes online, make sure you don’t reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.
In this article, we covered some good ideas how you can shop for Toyota Avalon insurance online. The key concept to understand is the more you quote Honolulu car insurance, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with some of the lesser-known companies.
Low-cost Toyota Avalon insurance in Honolulu can be bought both online as well as from independent agents in Honolulu, and you should compare rates from both to have the best selection. Some companies do not provide rate quotes online and most of the time these small insurance companies sell through local independent agencies.
Steps to finding lower priced Toyota Avalon insurance in Honolulu
If you want to save money, the best way to get budget auto insurance rates in Honolulu is to compare quotes annually from different companies in Hawaii. Prices can be compared by following these guidelines.
First, try to comprehend auto insurance and the things you can control to prevent rate increases. Many factors that cause high rates like getting speeding tickets and a bad credit rating can be improved by being financially responsible and driving safely.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple insurance companies.
Third, compare the new quotes to your existing policy to see if you can save by switching companies. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.
Fourth, notify your current company to cancel your current auto insurance policy and submit the application along with any required down payment to the newly selected company. When you receive it, store the certificate verifying coverage above your visor, in the console, or in the glove compartment.
One thing to point out is to use identical coverage information on every quote request and and to get price quotes from as many different insurance providers as possible. Doing this enables the most accurate price comparison and the best price quote selection.
Additional detailed information is located in the articles below:
- Safe Vehicles for Teens (iihs.org)
- How Much are Car Insurance Quotes for Uber Drivers in Honolulu? (FAQ)
- Who Has the Cheapest Honolulu Auto Insurance for 18 Year Olds? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Chevrolet Silverado in Honolulu? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Altima in Honolulu? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford Explorer in Honolulu? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Jeep Grand Cherokee in Honolulu? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Sentra in Honolulu? (FAQ)
- Who Has Cheap Honolulu Auto Insurance Rates for Low Credit Scores? (FAQ)
- Teen Driving Statistics (GEICO)
- Alcohol Impaired Driving FAQ (iihs.org)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)