Paying for pricey car insurance in Kihei can diminish your monthly budget and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances.

Regrettably, most car insurance policyholders have been with the same company for over three years, and 38% of drivers have never shopped around. Many drivers in Kihei could cut their rates by about 40% a year, but they mistakenly think it's difficult to compare rates and save money. Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the best coverage at the lowest cost out there.

If you have coverage now or are just looking to switch companies, use these techniques to shop for the lowest rates while maintaining coverages. Locating the best rates in Kihei can be made easier if you know where to look. Comparison shoppers just need to understand the quickest way to compare rates instantly.

The quickest method to compare car insurance rates is to realize most of the bigger providers allow for online access to compare their rates. All you need to do is take a few minutes to give details such as deductibles desired, how many miles driven, how old drivers are, and the type of vehicles you drive. That information is submitted instantly to insurance companies and you will get price comparisons within a short period of time.

To compare rates now, click here and see if a lower rate is available in Kihei.

The providers in the list below are ready to provide comparison quotes in Kihei, HI. If several companies are displayed, it's a good idea that you click on several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Kihei
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $860 $430 $72
Chevrolet Silverado LT Crew Cab 2WD $1,204 $602 $100
Dodge Ram Quad Cab Laramie 4WD $1,302 $651 $109
Ford Escape Limited 2WD $914 $457 $76
Ford F-150 FX2 Super Cab 2WD $862 $431 $72
Ford Focus S 4-Dr Sedan $760 $380 $63
Ford Fusion Sport AWD 4-Dr Sedan $1,348 $674 $112
Honda Accord LX 4-Dr Sedan $738 $369 $62
Honda CR-V EX-L 4WD $686 $343 $57
Honda Civic SI 4-Dr Sedan $1,032 $516 $86
Hyundai Sonata SE 4-Dr Sedan $896 $448 $75
Jeep Grand Cherokee Laredo 4WD $902 $451 $75
Nissan Altima 3.5 SR 4-Dr Sedan $888 $444 $74
Toyota Camry LE $628 $314 $52
Toyota Corolla S $988 $494 $82
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in zip code location which can decrease or increase prices noticeably.

Rate comparison for different deductibles

The example below highlights how deductible choice and can change Ford Escape annual premium costs for each age group. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Full coverage rates vs. liability-only

The example below shows the difference between GMC Acadia annual premium costs with and without physical damage coverage. The information is based on no driving violations, no at-fault accidents, $500 deductibles, married male driver, and no policy discounts are applied.

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

When to drop comprehensive and collision

There is no set rule of when to phase out comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's assume your GMC Acadia replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after paying the physical damage deductible. If you are paying over $400 annually for full coverage, then you might want to think about dropping full coverage.

There are a few situations where only buying liability is not recommended. If you have an outstanding loan on your vehicle, 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 if your current one is totaled, you should maintain full coverage.

Three main reasons to buy auto insurance

Despite the high cost of buying insurance in Kihei, insuring your vehicle may not be optional for several reasons.

The benefits of buying enough insurance more than cancel out the cost, particularly if you ever have a claim. Unknowingly, the average driver overpays more than $810 a year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.

Discounts for lower-cost auto insurance quotes

Companies that sell car insurance don't always publicize all discounts very clearly, so we break down some of the best known as well as the least known discounts that may be available.Discount auto insurance

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, it doesn't quite work that way.

Larger auto insurance companies and the discounts they provide are shown below.

If you want cheaper Kihei car insurance quotes, ask every insurance company what discounts are available to you. Some credits may not apply to policyholders in Kihei. If you would like to choose from a list of auto insurance companies that offer many of these discounts in Hawaii, click here to view.

Local insurance agents

A lot of people just prefer to get advice from a local agent and that is OK! Insurance agents are trained to spot inefficiencies and help you file claims. The biggest benefit of comparing insurance prices online is you may find cheap rate quotes and still choose a local agent.

Kihei insurance agentsAfter filling out this short form, your insurance coverage information is submitted to participating agents in Kihei who can give free rate quotes for your business. You don't have to leave your house since rate quotes are delivered directly to your email. If you need to get a comparison quote from one company in particular, you would need to go to their quote page and fill out the quote form the provide.

Choosing an insurer shouldn't rely on just a cheap quote. These are some questions your agent should answer.

If you want to use a reliable insurance agency, you should know the types of agencies that you can select. Insurance policy providers can be described as either exclusive or independent. Either can sell and service insurance coverage, but it is important to understand the difference in the companies they write for because it can impact your agent selection.

Exclusive Insurance Agencies

Exclusive agencies can only provide one company's prices and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot compare other company's rates so it's a take it or leave it situation. Exclusive agents are trained well on sales techniques which helps them sell on service rather than price.

Independent Insurance Agents

Agents that elect to be independent are normally appointed by many insurers and that is an advantage because they can write policies amongst many companies and get you the best rates possible. To transfer your coverage to a different company, the business is moved internally and you don't have to do anything. When comparing insurance rates, you need to compare prices from several independent agencies to ensure the widest selection of prices.

Upon getting good answers to your questions as well as a price you're happy with, it's a good possibility that you have found a car insurance agent that can be trusted to provide insurance coverage.

When do I need an agent's advice?

When it comes to choosing insurance from an agent or online for your personal vehicles, there really is not a perfect coverage plan. Every insured's situation is different and your insurance should unique, too.Safe vehicles cost less to insure For example, these questions may help you determine if your situation may require specific advice.

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance claim information

Which vehicles tend to have fewer claims? The claim statistics below outline the good and bad vehicles for the probability of having to file claims for each type of coverage listed.

Collision Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Colorado Nissan GT-R
Mini Cooper BMW 6 Series
Jeep Wrangler Ferrari 458
GMC Canyon Bentley Continental Flying Spur
Ford F-150 SuperCrew Bently Continental GT
Nissan Xterra BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Mitsubishi Mirage
Audi A6 Chrysler 200
Volvo XC60 Chevrolet Sonic
Acura MDX Kia Optima
Subaru Forester Chevrolet Cruze
Subaru Outback Hyndai Accent

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Car Insurance Medical Payment Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Mitsubishi Mirage
Ford Expedition Mitsubishi Lancer
Land Rover Range Rover Sport Chevrolet Spark
Audi A4 Allroad Nissan Sentra
Tesla Model S Chevrolet Sonic
Ford F-250 SuperCrew Hyundai Accent

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Comprehensive Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Maserati Quattroporte
Ford F-350 Porsche Panamera GTS
Volvo V60 Mercedes-Benz S Class
Nissan Leaf Maserati Granturismo
Infiniti QX50 Bentley Continental GTC
Chevy Silverado 2500 Audi S7

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

More comparisons equals cheap rates

A few companies may not offer the ability to get quotes online and most of the time these small insurance companies work with local independent agencies. More affordable insurance in Kihei is possible both online and also from your neighborhood Kihei agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

When buying insurance coverage, never sacrifice coverage to reduce premiums. In too many instances, someone dropped liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

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