Searching for low-cost insurance rates in Wailuku, HI? Trying to find cheaper insurance for a car in Hawaii can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to shop for insurance and you need to know the best way to quote coverages for a and get the lowest price either online or from Wailuku insurance agents.

The following companies are our best choices to provide price comparisons in Wailuku, HI. If multiple companies are shown, it's highly recommended you visit two to three different companies to find the most affordable car insurance rates.

Insurance Estimates for Popular Vehicles in Wailuku
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $726 $363 $61
Chevrolet Silverado LS Extended Cab 4WD $628 $314 $52
Dodge Ram Crew Cab Sport 2WD $1,072 $536 $89
Ford Escape XLS 2WD $588 $294 $49
Ford Explorer Limited 2WD $914 $457 $76
Ford F-150 XL Crew Cab 4WD $840 $420 $70
Ford Focus SE 4-Dr Sedan $670 $335 $56
GMC Sierra SLE Crew Cab 2WD $698 $349 $58
Honda Accord LX 4-Dr Sedan $680 $340 $57
Honda CR-V LX 2WD $704 $352 $59
Honda Civic DX 2-Dr Coupe $978 $489 $82
Honda Odyssey EX $812 $406 $68
Hyundai Elantra SE Touring Station Wagon $820 $410 $68
Nissan Altima 3.5 SR 2-Dr Coupe $1,126 $563 $94
Nissan Rogue S 2WD $780 $390 $65
Toyota Camry LE $1,048 $524 $87
Toyota Corolla XLE $962 $481 $80
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in vehicle location which can impact insurance rates noticeably.

Comparison of policy deductibles

A question often asked by Wailuku drivers is where to set your physical damage deductibles. The rates below may help to conceptualize the difference in cost when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 deductible and the second pricing table uses a $500 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $228 $412 $264 $16 $80 $1,025 $85
Altima 2.5 S 4-Dr Sedan $228 $484 $264 $16 $80 $1,097 $91
Altima Hybrid 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
Altima 2.5 S 2-Dr Coupe $258 $484 $300 $18 $90 $1,175 $98
Altima 3.5 SR 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
Altima 3.5 SR 2-Dr Coupe $258 $558 $300 $18 $90 $1,249 $104
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Nissan Altima insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $166 $278 $264 $16 $80 $804 $67
Altima 2.5 S 4-Dr Sedan $166 $328 $264 $16 $80 $854 $71
Altima Hybrid 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Altima 2.5 S 2-Dr Coupe $188 $328 $300 $18 $90 $924 $77
Altima 3.5 SR 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Altima 3.5 SR 2-Dr Coupe $188 $378 $300 $18 $90 $974 $81
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in vehicle location which can alter prices greatly.

Based on these figures, using a $100 deductible could cost the average driver approximately $20 more each month or $240 each year than requesting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 20 months between claim filings, you would most likely save money if you opt for a higher deductible. Below is the way you can perform this determination yourself.

Average monthly premium for $100 deductibles: $94
Average monthly premium for $500 deductibles (subtract): - $74
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One thing to note is that raising deductibles to save money means you will have to pay more out-of-pocket when you do file a claim. You should have enough savings in the event you need to pay the higher deductible.

Analysis of deductible levels

The chart below highlights how deductible selection and can impact GMC Acadia annual premium costs for different categories of driver ages. The data assumes a single male driver, full coverage, and no discounts are taken into consideration.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Men versus women drivers and insurance cost

The diagram below illustrates the comparison of premium costs for male and female drivers in Wailuku. The rates are based on no violations or accidents, comp and collision included, $250 deductibles, drivers are single, and no policy discounts are applied on a Kia Optima EX.

Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Different people need different auto insurance coverages

When quoting and comparing adequate coverage, there isn't really a perfect coverage plan. Everyone's needs are different so your insurance should reflect thatHigher deductibles save money These are some specific questions may help highlight whether you may require specific advice.

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It's fast, free and can provide invaluable advice.

Get rate quotes but work with a local Wailuku insurance agency

A lot of people still like to talk to a local agent and often times that is recommended Insurance agents can help you build your policy and help submit paperwork. One of the benefits of getting online price quotes is that you can obtain cheap auto insurance rates but also keep your business local. Buying from and supporting local insurance agents is especially important in Wailuku.

Insurance agents in WailukuTo help locate an agent, after submitting this simple form, your information is submitted to insurance agents in Wailuku that provide free Wailuku auto insurance quotes for your insurance coverage. It's much easier because you don't need to find an agent due to the fact that quote results will go to you instantly. In the event you want to compare prices from a specific insurance company, you just need to search and find their rate quote page and fill out their quote form.

Choosing the best company needs to be determined by more than just a cheap price. These questions are important to ask: