Want the cheapest auto insurance rates in Honolulu, HI? Honolulu consumers have a choice when looking for low-cost Kia Sorento insurance. You can either waste hours driving around to get rate comparisons or use the internet to make rate comparisons.
There are more efficient ways to find auto insurance online so you're going to learn the absolute fastest way to price shop coverage for a new or used Kia and find the cheapest rates from both online companies and Honolulu agents.
It's hard to believe, but most auto insurance policyholders have stayed with the same insurance company for four years or more, and almost half have never quoted auto insurance rates at all. Honolulu insurance shoppers can cut their rates by about 40% a year by just comparing rate quotes, but they feel it's too difficult to shop their coverage around.
It's a great practice to price shop coverage before your next renewal because insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on Kia Sorento insurance in Honolulu on your last policy you can probably find a lower rate today. Block out anything you think you know about auto insurance because I'm going to teach you the best way to remove unneeded coverages and save money.
If you already have coverage or are looking for a new policy, use these techniques to save money while maximizing coverage. The goal of this article is to teach you a little about how auto insurance companies operate. Comparison shoppers just have to know how to compare company rates online.
Affordable auto insurance in Honolulu, HI
The companies shown below can provide price comparisons in Hawaii. If several companies are displayed, we recommend you click on several of them to find the lowest auto insurance rates.
Earn discounts on Honolulu insurance
The price of auto insurance can be rather high, but you might find some hidden discounts that you may not know about. Some of these discounts will be visible when you complete an application, but a few need to be specifically requested before being credited.
- Multi-policy Discount - If you insure your home and vehicles with one company you could get a discount of up to 20% and get you cheap Sorento insurance.
- New Vehicle Savings - Adding a new car to your policy can save you some money since newer models are generally safer.
- Multiple Cars - Buying insurance for all your vehicles with the same company can reduce the rates for all insured vehicles.
- Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
- Home Ownership Discount - Being a homeowner can save a few bucks because owning a home requires a higher level of personal finance.
- Onboard Data Collection - People who choose to allow driving data collection to monitor driving habits by using a small device installed in their vehicle like Allstate's Drivewise may get a rate reduction if they have good driving habits.
- Student Driver Training - Require your teen driver to successfully complete driver's ed class as it will make them better drivers and lower rates.
As a sidenote, most discounts do not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, you're out of luck.
Some companies that possibly offer many of the previously listed discounts are:
If you need low cost Honolulu car insurance quotes, ask each company or agent to apply every possible discount. Some discounts listed above might not be offered on policies in your area. If you would like to view insurance companies that can offer you the previously mentioned discounts in Honolulu, click this link.
Getting quotes from local Honolulu insurance agents
A lot of people still prefer to buy from a licensed agent and that is a personal choice. Insurance agents are trained risk managers and help you file claims. One of the great benefits of price shopping on the web is the fact that drivers can get cheap insurance rates but still work with a licensed agent. And buying from local agencies is still important in Honolulu.
After completing this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Honolulu that can provide free Honolulu car insurance quotes for your insurance coverage. You won't even need to search for any insurance agencies since price quotes are sent immediately to your email address. If you have a need to get a price quote from a specific insurance provider, you just need to jump over to their website and submit a quote form there.
When narrowing the list to find a local insurance agency, you need to know there are two different agency structures and how they can write your policy. Agents can be described as either independent agents or exclusive agents depending on their employer. Both can sell and service insurance coverage, but it is important to understand the difference between them since it may influence the type of agent you choose.
Independent Insurance Agencies or Brokers
Agents that choose to be independent are not restricted to one company so they have the ability to put coverage through many different insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can just switch to a different company which is easy for the insured.
When comparison shopping, you will definitely want to get rate quotes from a couple of independent agencies to have the best price comparison. Most can insure with companies that do not advertise much which could offer lower prices.
Listed below is a partial list of independent agents in Honolulu that may be able to provide price quote information.
- Insurance Associates, Inc.
800 Bethel St # 200 - Honolulu, HI 96813 - (808) 538-6938 - View Map
- John H Connors Insurance
500 Ala Moana Blvd # 2303 - Honolulu, HI 96813 - (808) 534-7300 - View Map
- Royal State National Insurance Company
819 S Beretania St - Honolulu, HI 96813 - (808) 539-1600 - View Map
These type of agents can only place business with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are highly trained on what they offer which can be an advantage. A lot of people buy from exclusive agents partially due to the prominent brand name and the convenience of having all coverages with one company.
Listed below are exclusive insurance agents in Honolulu that are able to give price quotes.
- Allstate Insurance: Rory Lee
575 Cooke St d - Honolulu, HI 96813 - (808) 596-8333 - View Map
- Kevin Takahashi - State Farm Insurance Agent
1284 Kalani St d108 - Honolulu, HI 96817 - (808) 845-0069 - View Map
- State Farm Insurance: Shelli Toguchi-Hadley
4510 Salt Lake Boulevard Unit D15 - Honolulu, HI 96818 - (808) 486-1111 - View Map
Choosing an insurance agent needs to be determined by more than just the quoted price. A good agent in Honolulu will have answers to these questions.
- Are they properly licensed to sell insurance in Hawaii?
- Is the agency covered by Errors and Omissions coverage?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do the companies they represent have a solid financial rating?
- Will they make sure you get an adequate claim settlement?
- How many companies do they write for?
Tricks in insurance advertising
Hawaii drivers can't get away from ads that claim the lowest rates from the likes of Allstate, GEICO and Progressive. They all make the same claim that you'll save big just by switching your insurance policy to them.
It sounds good, but how can they all offer drivers better rates? This is how they do it.
All companies quote the lowest rates for the type of driver that earns them a profit. A good example of a profitable insured might be between the ages of 30 and 45, has few claims, and does not commute to work. A driver that fits those parameters receive the lowest rate quotes in Honolulu and will also pay quite a bit less when switching companies.
Consumers who do not fit this stringent profile may be required to pay higher prices and this results in the customer not purchasing. If you listen to the ad wording, they say "customers who switch" not "everyone that quotes" will save that much if they switch. That's the way insurance companies can confidently make it sound like they have such great prices.
This really drives home the point why you really need to get a wide range of price quotes. It's impossible to know which insurance companies will fit you best based on your risk profile.
It's not one size fits all
When it comes to buying proper insurance coverage, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For instance, these questions may help you determine if you might need professional guidance.
- How do I insure my teen driver?
- Is my teenager covered with friends in the car?
- How can I get high-risk coverage after a DUI?
- What is GAP insurance?
- Which companies will insure me after a DUI?
- Who sells insurance for high-risk drivers?
If you can't answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.
Insurance coverages explained
Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.
Collision coverage protection
This coverage pays for damage to your Sorento from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like driving through your garage door, crashing into a building, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your Sorento to get cheaper collision coverage.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, surgery, pain medications and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Kia Sorento.
Because many people only purchase the least amount of liability that is required (which is 20/40/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.
Liability auto insurance
This will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 20/40/10 that means you have $20,000 in coverage for each person's injuries, a per accident bodily injury limit of $40,000, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability insurance covers things such as repair costs for stationary objects, repair bills for other people's vehicles, funeral expenses, pain and suffering and attorney fees. The amount of liability coverage you purchase is a personal decision, but it's cheap coverage so purchase higher limits if possible. Hawaii requires minimum liability limits of 20/40/10 but you should think about purchasing more liability than the minimum.
One last note
When trying to cut insurance costs, do not reduce coverage to reduce premium. There are many occasions where an insured cut liability limits or collision coverage only to regret that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the best price, but don't skip important coverages to save money.
Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, policy non-renewal, denial of a claim and even delays in paying claims. No matter why you want to switch, choosing a new insurance company can be less work than you think.
The cheapest Kia Sorento insurance in Honolulu can be bought both online as well as from independent agents in Honolulu, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not provide online rate quotes and these regional insurance providers sell through local independent agencies.