The easiest way to get affordable Volvo C30 insurance in Honolulu is to do a yearly price comparison from insurers who provide auto insurance in Hawaii. Rates can be compared by completing these steps.
- Step 1: Try to learn a little about car insurance and the things you can control to prevent high rates. Many rating criteria that cause high rates such as traffic tickets, fender benders, and an imperfect credit history can be amended by paying attention to minor details.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple sources.
- Step 3: Compare the quotes to your current policy premium and see if you can save money. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
The key aspect of shopping around is to make sure you enter the same amount of coverage on every quote and and to get rates from all possible companies. Doing this enables an apples-to-apples comparison and a thorough price selection.
We don’t have to point out that fact that car insurance companies don’t want their policyholders to compare prices. People who compare rates annually are likely to buy a different policy because they stand a good chance of finding a more affordable policy. Surprisingly, a recent survey revealed that consumers who regularly compared price quotes saved approximately $865 a year compared to drivers who never compared prices.
If finding low prices for Volvo C30 insurance in Honolulu is your ultimate objective, then having some insight into how to choose a company and compare insurance can make the process less intimidating.
Locating the best insurance company for you in Honolulu can be easy if you know a few tricks. In a nutshell, everyone who shops for auto insurance will be able to lower their premiums. But Hawaii drivers need to learn how companies sell insurance online and use it to find better rates.
Many insurance companies like State Farm, GEICO and Progressive allow you to get coverage price quotes direct online. Doing online price comparisons for Volvo C30 insurance in Honolulu is fairly simple as you simply type in the coverages you want as requested by the quote form. When the form is submitted, their quoting system requests reports for credit and driving violations and generates pricing information based on these factors. This makes it a lot easier to compare rates and it is important to perform this step if you want to find cheaper rates.
To save time and use this form to compare rates, take a look at the companies shown below. If you have your current policy handy, we recommend you copy the coverage information exactly as shown on your declarations page. This helps ensure you’re receiving a price comparison for exact coverage.
The companies shown below are our best choices to provide price quotes in Honolulu, HI. If more than one company is shown, we recommend you get prices from several of them to get the best price comparison.
Get cheaper Volvo C30 insurance rates in Honolulu
Insurance is not cheap nor is it fun to buy but companies offer discounts that you may not know about. Many discounts should be triggered when you complete an application, but some need to be inquired about before you get the savings. If you are not receiving all the discounts you qualify for, you are throwing money away.
- Cautious Drivers – Safe drivers can pay as much as 50% less than drivers with accident claims.
- Buy New and Save – Buying insurance on a new vehicle can be considerably cheaper because newer vehicles are generally safer.
- Professional Organizations – Joining certain professional organizations is a good way to get lower rates when shopping for insurance.
- Defensive Driver Discounts – Taking part in a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
- Early Signing – A few insurance companies allow discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
Remember that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, you’re out of luck. But all discounts will bring down the premium cost.
The diagram below illustrates the comparison of Volvo C30 insurance prices with and without discounts applied to the premium. The information is based on a male driver, a clean driving record, no at-fault accidents, 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 claim-free, safe-driver, marriage, multi-policy, multi-car, and homeowner discounts applied.
To find companies that offer discounts in Hawaii, click here.
Car insurance statistics and figures
The information shown next outlines different coverage prices for Volvo C30 models. Learning as much as possible about how insurance rates are figured can aid in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $162 | $320 | $320 | $18 | $96 | $916 | $76 |
| C30 T5 R-Design | $184 | $376 | $320 | $18 | $96 | $994 | $83 |
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific Honolulu garaging location which can impact prices considerably.
The information below highlights how deductible selection and can increase or decrease Volvo C30 insurance prices for different ages of insureds. Data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.
Drive responsibly or pay higher rates
The illustration below illustrates how traffic citations and at-fault collisions can influence Volvo C30 insurance costs for different age groups. The price estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
Comparison of full coverage and liability-only policies
The diagram below visualizes the comparison of Volvo C30 auto insurance costs with full coverage compared to only the Hawaii minimum liability coverage. The information is based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
When to eliminate full coverage
There is no clear-cut rule for excluding comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Volvo C30 replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the policy deductible has been paid. If you are currently paying more than $600 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are a few cases where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
When to have guidance from an agent
Certain consumers still like to have an agent’s advice and doing so can bring peace of mind One of the benefits of price shopping on the web is the fact that you can find the lowest rates and still buy from a local agent.
After completing this simple form, the coverage information is instantly submitted to insurance agents in Honolulu that can give you free Honolulu car insurance quotes for your insurance coverage. You don’t have to find an agent due to the fact that quote results will go instantly to you. You can find lower rates without a big time investment. If you have a need to compare rates from one company in particular, you can always go to their quote page to submit a rate quote request.
Finding the right company needs to be determined by more than just the price. You should also get answers to these questions.
- Does the company allow you to choose your own collision repair facility?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will one accident increase rates?
- How would your car be valued if totaled?
- Is there a local claims center in Honolulu?
Exclusive and independent Honolulu car insurance agents
If you are searching for a good Honolulu insurance agent, there are two different types of agents and how they are distinctly different. Agents are either exclusive agents or independent agents.
Exclusive Insurance Agencies
Agents of this type normally can only provide a single company’s rates like Farmers Insurance, State Farm, or Allstate. They are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive a lot of sales training on what they offer and that can be a competitive advantage.
The following are exclusive insurance agents in Honolulu who can help you get price quotes.
Wil Chang – State Farm Insurance Agent
6700 Kalanianaole Hwy #204 – Honolulu, HI 96825 – (808) 395-5433 – View Map
Sean Huh – State Farm Insurance Agent
23 S Vineyard Blvd #205 – Honolulu, HI 96813 – (808) 528-0001 – View Map
Allstate Insurance: Valerie Nagaji
4211 Waialae Ave #8080 – Honolulu, HI 96816 – (808) 735-2841 – View Map
Independent Agents
These type of agents do not sell for just one brand and that allows them to write policies with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply switch companies in-house which requires no work on your part. When comparing rates, you should always get quotes from a few independent agents to have the most options to choose from.
The following is a short list of independent insurance agencies in Honolulu that can give you rate quotes.
Dongbu Insurance
1440 Kapiolani Blvd # 950 – Honolulu, HI 96814 – (808) 942-5353 – View Map
Anita Butay Diniega
1088 Bishop St #2210 – Honolulu, HI 96813 – (808) 841-5915 – View Map
Atlas Insurance
1132 Bishop St #1600 – Honolulu, HI 96813 – (808) 533-8728 – View Map
Get Cheaper Insurance with These Tips
Lots of things are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving record, although others are less apparent such as your credit history or your financial responsibility. One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that go into determining the price you pay for insurance. When you understand what determines base rates, this empowers consumers to make smart changes that may result in lower insurance prices.
Higher rates for tough vocations – Did you know your job can affect your rates? Occupations like military generals, social workers, and dentists tend to pay higher premium rates because of intense work-related stress and lots of time spent at work. Conversely, jobs like scientists, engineers and the unemployed get better rates.
Where you reside factors in – Being located in a small town is a positive aspect when shopping for auto insurance. People who live in big cities tend to have more aggressive driving styles and a longer drive to work. Less people translates into fewer accidents and lower theft and vandalism rates.
A policy lapse is a bad thing – Driving without insurance coverage in place is not a good idea and you will pay a penalty because you let your insurance lapse. Not only will you pay more, getting caught without coverage may earn you a hefty fine and possibly a revoked license. You may then be required to file a SR-22 with the Hawaii department of motor vehicles.
Insurance rates and age – Teen drivers in Hawaii are statistically proven to be more careless with other occupants in the car therefore insurance rates are much higher. Parents adding a inexperienced driver to your policy can really hurt. Older insureds are more cautious drivers, tend to cause fewer accidents, and are safer drivers.
The following data uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Why you need to buy car insurance
Even though it’s not necessarily cheap to insure a Volvo in Honolulu, insurance may be required and benefits you in several ways.
- Most states have minimum liability requirements which means the state requires a specific level of liability coverage if you want to drive 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 you bought your vehicle with a loan, almost every bank will require you to carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Volvo at a much higher rate and make you pay for the expensive policy.
- Insurance protects both your Volvo and your assets. It also can pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your policy will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance more than cancel out the cost, particularly if you ever have a claim. But the average American driver is currently overpaying as much as $800 each year so you should quote and compare rates at every renewal to ensure rates are inline.
Hawaii auto insurance companies ranked
Selecting the right auto insurance provider is difficult considering how many companies there are in Honolulu. The ranking information in the next section could help you choose which companies to look at comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Affordable coverage is out there
In this article, we presented a lot of ways to get a better price on Volvo C30 insurance in Honolulu. It’s most important to understand that the more times you quote, the higher your chance of finding low cost Honolulu car insurance quotes. You may even discover the best price on auto insurance is with a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.
There are still a few companies who may not provide online rate quotes and most of the time these smaller companies prefer to sell through independent agents. Budget-conscious Volvo C30 insurance can be found online and from local insurance agents, so compare prices from both to have the best selection.
Additional auto insurance information can be read on the following sites:
- Vehicle Size and Weight FAQ (iihs.org)
- How Much are Car Insurance Quotes for a 20 Year Old Female in Honolulu? (FAQ)
- Who Has Affordable Honolulu Auto Insurance Rates for First-time Drivers? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Altima in Honolulu? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Understanding your Policy (NAIC.org)
- Things to Know Before you Cancel Insurance (Allstate)