How long has it been since the last time you looked for more affordable Buick LaCrosse insurance in Honolulu? If you are new to online auto insurance, you may be confused by the sheer number of online companies that all promise to save you money.

Insurance rates Buick LaCrosse in HonoluluA recent NerdWallet.com study revealed that nearly 70% of drivers kept their policy with the same company for at least four years, and almost 40% of drivers have never shopped around. Drivers in Honolulu could save up to $400 every year, but most undervalue how much they could save if they moved their coverage to a different company.

You should take the time to compare premium rates occasionally because rates trend upward over time. Even if you think you had the best deal on Buick LaCrosse insurance in Honolulu a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because it's time to teach you the best way to save money, get proper coverage and the best rates.

Finding and buying the best policy in Honolulu is simple if you know the tricks. In a nutshell, each driver who has to buy insurance most likely will be able to lower their premiums. But Hawaii vehicle owners need to have an understanding of how insurance companies price online insurance and use it to find better rates.

Discounts can help lower rates on Buick LaCrosse insurance in Honolulu

Companies that sell car insurance don't always advertise every possible discount very clearly, so the list below contains some of the best known as well as the least known credits that may apply to you.Cheaper insurance with discounts

One thing to note about discounts is that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you could get a free insurance policy, it just doesn't work that way.

A few of the larger companies and some of the discounts can be found below.

Before purchasing a policy, check with each company which discounts you may be entitled to. Depending on the company, some discounts may not be available in Honolulu. If you would like to view insurance companies that offer many of these discounts in Hawaii, click this link.

There are several ways of comparing rate quotes from all the different companies. The best way to do a complete rate comparison is to perform an online rate comparison.

Just remember that comparing a large number of companies helps improve the odds of finding the best price. Some regional insurers cannot provide rate quotes online, so it's recommended that you also compare rates from them, too.

The providers in the list below offer free rate quotes in Hawaii. If multiple companies are shown, we recommend you compare several of them to get the cheapest price.

Buick LaCrosse Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $182 $272 $230 $14 $68 $766 $64
Lacrosse CXL $210 $374 $232 $14 $70 $900 $75
Lacrosse CXL AWD $256 $500 $304 $18 $90 $1,168 $97
Lacrosse CXS $286 $500 $304 $18 $90 $1,198 $100
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific zip code location which can revise insurance rates greatly.

Physical damage deductibles: Should you raise them?

One common question asked by Honolulu drivers is where to set your physical damage deductibles. The following insurance rates may help to illustrate the price difference between low and high coverage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Buick LaCrosse insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $230 $344 $226 $14 $68 $907 $76
Lacrosse CXL $230 $406 $226 $14 $68 $969 $81
Lacrosse CXL AWD $230 $406 $226 $14 $68 $969 $81
Lacrosse CXS $258 $406 $226 $14 $68 $997 $83
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Buick LaCrosse insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $188 $278 $226 $14 $68 $774 $65
Lacrosse CXL $188 $328 $226 $14 $68 $824 $69
Lacrosse CXL AWD $188 $328 $226 $14 $68 $824 $69
Lacrosse CXS $210 $328 $226 $14 $68 $846 $71
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can modify coverage rates considerably.

Based on the data above, we can derive that using a $250 deductible costs about $11 more each month or $132 each year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 23 months between claim filings, you would save more money if you elect the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $80
Average monthly premium for $500 deductibles (subtract): - $69
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

Should you buy full coverage?

The chart below visualizes the comparison of Buick LaCrosse insurance costs with liability coverage only compared to full coverage. The premiums assume no claims or driving citations, $100 deductibles, married female driver, and no additional discounts are factored in.

When to drop comp and collision

There is no exact formula that works best for making the decision to drop full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's assume your Buick LaCrosse claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your deductible. If you are currently paying more than $200 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some situations where only buying liability is not a good idea. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Neighborhood Honolulu auto insurance agents

Many drivers would rather sit down with an agent and that is not a bad decision One of the great benefits of getting online price quotes is the fact that drivers can get the best rates and still have an agent to talk to. Supporting local agencies is especially important in Honolulu.

Once you complete this simple form, the quote information is immediately sent to local insurance agents that can give you free Honolulu car insurance quotes and help you find cheaper coverage. You won't need to drive around as quotes are delivered directly to you. You can find the lowest rates and an insurance agent to talk to. If you want to compare rates for a specific company, you just need to search and find their rate quote page and fill out the quote form the provide.

Car insurance agents in Honolulu come in two varieties

If you want to buy insurance from a reliable insurance agency, you need to know there are two types of insurance agents and how they function. Agencies in Honolulu are classified as either independent agents or exclusive agents.

Independent Agents

These agents are not locked into one company so they have the ability to put coverage amongst many companies and find the cheapest insurance rates. If premiums increase, they simply move your policy to a different company which requires no work on your part. If you are trying to find cheaper rates, you will want to get quotes from a couple of independent agencies to ensure the widest selection of prices. Most also have access to different regional companies that may provide cheaper insurance rates.

Listed below is a list of independent insurance agencies in Honolulu that may be able to give you free rate quotes.

More Honolulu agents

Exclusive Insurance Agencies

Exclusive agencies write business for a single company and examples are State Farm, Allstate and AAA. Exclusive agents cannot provide other company's prices so it's a take it or leave it situation. Exclusive agencies are well trained in insurance sales which helps them compete with independent agents. Some people will only buy insurance from these agents partially due to the brand rather than low price.

The following is a short list of exclusive agencies in Honolulu that can give you comparison quotes.

More Honolulu agents

Picking the best auto insurance agent should depend on more than just the quoted price. Get answers to these questions too.

Compare insurance prices regularly to save

When you buy Honolulu car insurance online, it's a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

We've covered many ways to reduce Buick LaCrosse insurance car insurance rates online in Honolulu. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.

Consumers change insurance companies for many reasons like extreme rates for teen drivers, denial of a claim, high rates after DUI convictions and even an unsatisfactory settlement offer. Whatever your reason, finding a great new company is easier than you think.

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