Discount Acura TSX insuranceIf you're new to shopping for Honolulu auto insurance quotes online, most likely you are baffled by the diversity of companies all claiming to have the lowest rates for Acura TSX insurance in Honolulu.

A recent insurance study discovered that the majority of drivers kept buying from the same company for a minimum of four years, and nearly the majority have never taken the time to shop around. Hawaii drivers could cut their rates by almost $360 a year by just comparing quotes, but most tend to underestimate the amount of savings they would get if they switch to a new company.

It's smart to price shop coverage before your policy renews since insurance prices tend to go up over time. Even if you think you had the lowest rates on Acura TSX insurance in Honolulu a year ago a different company probably has better rate quotes today. Ignore everything you know about insurance because it's time to teach you the tricks you need to know to save on insurance.

Shopping around for the lowest cost protection in Honolulu is actually quite simple. Basically, every car owner who compares rates for auto insurance will probably get better rates. But Hawaii consumers must learn how insurance companies determine what you pay and use it to your advantage.

To get affordable Honolulu auto insurance quotes, there a variety of ways of comparing rates from companies that offer auto insurance in Hawaii. The recommended way to find competitive Acura TSX insurance rates involves getting comparison quotes online.

Just remember that obtaining a wide range of quotes helps you find the best price. Some insurance companies are not set up to provide rate quotes online, so you also need to get price quotes from them, too.

The following companies are our best choices to provide comparison quotes in Honolulu, HI. If more than one company is shown, we recommend you click on several of them in order to find the lowest rates.

Acura TSX Insurance Cost Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $294 $484 $294 $18 $88 $1,178 $98
TSX Technology Package $198 $402 $212 $12 $64 $888 $74
Get Your Own Custom Quote Go

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price estimates do not factor in zip code location which can affect coverage prices significantly.

Comparison of policy deductibles

One frequently asked question is the level to set your comp and collision deductibles. The comparison tables below may help to illustrate the premium difference between high and low insurance deductibles. The first rate table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Acura TSX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $230 $406 $226 $14 $68 $969 $81
TSX Technology Package $230 $406 $226 $14 $68 $969 $81
Get Your Own Custom Quote Go
Acura TSX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $142 $256 $226 $14 $68 $706 $59
TSX Technology Package $142 $256 $226 $14 $68 $706 $59
Get Your Own Custom Quote Go

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-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can impact rates substantially.

Based on the figures above, using a $250 deductible could cost the average driver approximately $22 more each month or $264 a year than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 34 months between claims, you would save money if you choose a higher deductible.

Do I just need basic coverages?

When quoting and choosing a policy for your personal vehicles, there really isn't a cookie cutter policy. Your financial needs are unique.Drive safe and save

These are some specific questions could help you determine if your insurance needs would benefit from an agent's advice.

If you can't answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

When to have guidance from an agent

Certain consumers just want to buy from a local agent and that is OK! One of the benefits of getting online price quotes is that drivers can save money and get the lowest rates and still have a local agent. Buying insurance from local agencies is important especially in Honolulu.

Honolulu insurance agentsOnce you complete this simple form, your insurance coverage information gets sent to companies in Honolulu who will gladly provide quotes and help you find cheaper coverage. You won't even need to drive around because prices are sent to you. Get lower rates without the usual hassles of price shopping. If you have a need to compare rates from one company in particular, you would need to navigate to their website and complete a quote there.

When researching a local agent, it's important to understand the different types of agents and how they can service your needs differently. Car insurance agencies are categorized either exclusive or independent.

Independent Car Insurance Agencies or Brokers

These agents do not have single company limitations so they can write business through lots of different companies and get you the best rates possible. To transfer your coverage to a different company, they simply move your policy to a different company and you can keep the same agent.

If you need cheaper car insurance rates, you absolutely need to include multiple independent agents to have the most options to choose from. They also have the ability to place coverage with companies you've never heard of which could offer lower prices.

The following is a short list of independent agents in Honolulu that can give you price quote information.

View more Honolulu agents

Exclusive Car Insurance Agencies

Agents that choose to be exclusive can only place business with one company such as American Family, State Farm, and Allstate. Exclusive agents cannot shop your coverage around so it's a take it or leave it situation. Exclusive insurance agents are highly trained on their company's products which helps offset the inability to provide other markets. Some insured continue to use the same agent primarily because of the brand legacy rather than having low rates.

Listed below is a short list of exclusive agents in Honolulu who can help you get comparison quotes.

View more Honolulu agents

Finding a good car insurance agent should include more criteria than just a cheap price. Here are some questions to ask:

Once you have received satisfactory answers to your questions and locked in a price quote, you have narrowed it down to a car insurance agent that meets the criteria to properly insure your vehicles. Just be aware that you are entitled to terminate your policy for any reason so never assume that you are obligated to any specific company indefinitely.