Insurance rates Land Rover LR2 in HonoluluSearching for cheaper insurance for a new or used Land Rover LR2 in Hawaii can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to compare car insurance rates so we're going to tell you the absolute fastest way to quote coverages for a Land Rover and locate the lowest price.

Best companies for cheap Land Rover LR2 insurance in Hawaii

The providers in the list below are our best choices to provide free rate quotes in Honolulu, HI. If multiple providers are shown, we suggest you compare several of them to find the most competitive auto insurance rates.

Land Rover LR2 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR2 $144 $236 $272 $16 $82 $750 $63
LR2 HSE $246 $500 $300 $18 $90 $1,154 $96
LR2 HSE Luxury $326 $484 $346 $20 $104 $1,280 $107
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle garaging location which can alter coverage prices significantly.

Safe drivers Honolulu pay cheaper rates

The information below illustrates how traffic citations and fender-benders raise Land Rover LR2 insurance rates for different age groups of insureds. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Car insurance premiums based on gender

The illustration below shows the comparison of Land Rover LR2 yearly insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full coverage, $100 deductibles, drivers are not married, and no discounts are applied.

Should you raise deductibles?

One of the hardest decisions when shopping for car insurance is where to set your physical damage deductibles. The figures shown below determine the differences in premium rates when you buy lower versus higher comp and collision deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Land Rover LR2 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR2 $286 $484 $264 $16 $80 $1,155 $96
LR2 HSE $286 $484 $264 $16 $80 $1,155 $96
LR2 HSE Luxury $286 $484 $264 $16 $80 $1,155 $96
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Land Rover LR2 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR2 $158 $256 $264 $16 $80 $774 $65
LR2 HSE $158 $256 $264 $16 $80 $774 $65
LR2 HSE Luxury $158 $256 $264 $16 $80 $774 $65
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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 safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can modify coverage prices noticeably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $31 more each month or $372 annually than opting for the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 29 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Take these seven policy discounts and save on Land Rover LR2 insurance in Honolulu

Some insurers don't always list their entire list of discounts in a way that's easy to find, so the list below gives a summary of some of the more common and the more hidden discounts that you may qualify for.

As a sidenote, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, that's just not realistic.

A few of the larger companies and some of the premium reductions they offer can be found below.

Before buying, ask all the companies which discounts they offer. Depending on the company, some discounts might not be offered on policies in your area. To locate car insurance companies that offer discounts in Honolulu, click this link.

When to get professional advice

Keep in mind that when it comes to choosing the best auto insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For example, these questions may help you determine whether you may require specific advice.

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Auto insurance agents near you

Many people would rather buy from a local agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and help you file claims. An additional benefit of comparing rates online is that drivers can save money and get lower car insurance rates and also buy local.

After completing this simple form, the quote information is instantly submitted to local insurance agents in Honolulu who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies because quoted prices will be sent immediately to your email address. If you want to get a rate quote for a specific company, you just need to visit that company's website and fill out the quote form the provide.

Choosing a provider should include more criteria than just the premium amount. Any agent in Honolulu should be willing to answer these questions.

Exclusive agents vs. Independent agents

When narrowing the list to find a local Honolulu insurance agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Insurance agents are classified as either exclusive or independent. Either can sell and service insurance coverage, but it's a good idea to understand the subtle differences because it can impact which agent you choose.

Exclusive Agents

These agents work for only one company like State Farm, Allstate and AAA. Exclusive agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are usually well trained on what they offer which helps them sell on service rather than price. Many people purchase coverage from exclusives mostly because of the prominence of the brand rather than having the cheapest rates.

Listed below is a list of exclusive agencies in Honolulu that can give you rate quotes.

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Independent Insurance Agencies

Independent agencies are not employed by any specific company so they can quote policies with an assortment of companies and find you the best rates. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency.

When comparison shopping, you should always get quotes from multiple independent agents to have the most options to choose from. Many write coverage with companies that do not advertise much that may provide cheaper insurance rates.

The following are Honolulu independent agencies that are able to give price quotes.

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Car insurance 101

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, damage from flooding and vandalism. The most a insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle's occupants and damage to your Land Rover LR2.

Due to the fact that many Hawaii drivers only purchase the least amount of liability that is required (20/40/10 in Hawaii), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision - This will pay to fix damage to your LR2 resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, crashing into a building, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible on your LR2 in order to get cheaper collision rates.

Liability car insurance - This coverage can cover damages or injuries you inflict on people or other property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 20/40/10 that means you have a limit of $20,000 per injured person, a per accident bodily injury limit of $40,000, and property damage coverage for $10,000.

Liability coverage protects against claims such as court costs, repair costs for stationary objects, emergency aid and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. Hawaii requires drivers to carry at least 20/40/10 but you should think about purchasing higher limits.

Medical payments coverage and PIP - Med pay and PIP coverage pay for expenses such as chiropractic care, EMT expenses, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

What is YOUR best insurance company?

Cost effective Land Rover LR2 insurance is definitely available on the web in addition to many Honolulu insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide rate quotes online and these regional insurance providers only sell coverage through independent agencies.

While you're price shopping online, you should never skimp on critical coverages to save a buck or two. There are many occasions where an insured cut full coverage only to find out that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best price, not the least amount of coverage.

We've covered a lot of techniques to reduce Land Rover LR2 insurance prices online in Honolulu. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the best prices are with the least-expected company.

Much more information about car insurance in Hawaii can be read on the following sites: