Nobody likes having to buy auto insurance, particularly when they could lower their rates if they shopped around.

Discount BMW Z4 insuranceIt's amazing but the vast majority of drivers kept their policy with the same company for four years or more, and nearly half have never compared quotes from other companies. Drivers in America could save an average of 46.5% each year by just shopping around, but they think it's difficult to compare rate quotes. Many auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite best price available on BMW Z4 insurance in Honolulu.

You need to check auto insurance prices yearly since prices trend upward over time. If you had the best rates on BMW Z4 insurance in Honolulu a year ago a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because you're about to learn the fastest and easiest way to find the best coverage while lowering your premiums.

Most larger insurance companies like State Farm and Allstate allow consumers to get pricing direct online. This process doesn't take much effort because it's just a matter of typing in your required coverages on the page. When complete, their system sends out for credit information and your driving record and quotes a price based on the information you submitted. Using the web to get price quotes for BMW Z4 insurance in Honolulu makes it simple to compare prices and it's very important to have as many quotes as possible in order to get the cheapest price possible.

To compare pricing, check out the auto insurance providers below. If you have your current policy handy, we recommend you input the insurance coverages identical to your current policy. This way, you will receive an apples-to-apples comparison for similar coverage.

The auto insurance companies shown below provide free rate quotes in Hawaii. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

BMW Z4 Insurance Price Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Z4 3.0I SDRIVE 2-Dr Roadster $158 $294 $226 $14 $68 $760 $63
Z4 3.5I SDRIVE 2-Dr Roadster $232 $464 $304 $18 $90 $1,108 $92
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in specific Honolulu garaging location which can lower or raise coverage prices considerably.

Annual premiums for males versus females

The diagram below shows the comparison of BMW Z4 car insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are factored in.

Where to set your deductibles

One common question asked by Honolulu drivers is at what level do you set your deductibles. The rates below show how much more rates are when you select higher and lower coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

BMW Z4 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Z4 3.0I SDRIVE 2-Dr Roadster $286 $558 $226 $14 $68 $1,177 $98
Z4 3.5I SDRIVE 2-Dr Roadster $286 $558 $226 $14 $68 $1,177 $98
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BMW Z4 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Z4 3.0I SDRIVE 2-Dr Roadster $210 $378 $226 $14 $68 $896 $75
Z4 3.5I SDRIVE 2-Dr Roadster $210 $378 $226 $14 $68 $896 $75
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can revise auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $23 more each month or $276 for a full year than buying the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have more than 17 months between claim filings, you would most likely save money if you opt for a higher deductible. Here is an example of how this determination is made.

Average monthly premium for $100 deductibles: $98
Average monthly premium for $500 deductibles (subtract): - $75
Monthly savings from raising deductible: $23
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to note is that higher deductibles means you will have to pay more when you have a physical damage claim. That will necessitate some money saved in the event you have to pay the deductible for vehicle repair.

Auto insurance is not optional in Hawaii

Despite the fact that auto insurance is not cheap in Honolulu, insuring your vehicle may be mandatory for several reasons.

The benefits of insuring your car outweigh the cost, particularly when you have a large claim. The average driver in Hawaii is overpaying more than $810 a year so it's important to compare rates once a year at a minimum to ensure rates are competitive.

Informed Drivers Can Lower Insurance Rates

An important part of buying insurance is that you know some of the elements that help calculate auto insurance rates. If you have a feel for what controls the rates you pay, this enables informed choices that could result in better auto insurance rates. Many things are used when quoting car insurance. Some factors are common sense such as traffic violations, but others are more obscure like your continuous coverage and annual miles driven.

Shown below are some of the things utilized by car insurance companies to help set your premiums.

These discounts can lower BMW Z4 insurance rates

Car insurance is not cheap, but you may qualify for discounts that you may not know about. A few discounts will be applied at the time of quoting, but some need to be requested specifically in order for you to get them.Cheaper car insurance with discounts

Consumers should know that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, you won't be that lucky.

Auto insurance companies that may offer policyholders some of the discounts shown above possibly include:

It's a good idea to ask every prospective company what discounts are available to you. Savings may not apply in Honolulu. To see providers that offer discounts in Hawaii, follow this link.

It's not one size fits all

When quoting and comparing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else's and your auto insurance should unique, too.Drive safe and save For instance, these questions might help in determining whether your personal situation might need professional guidance.

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 a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Comparing prices from local Honolulu insurance agents

A small number of people still like to talk to an insurance agent and that is recommended in a lot of cases Professional insurance agents are highly skilled in risk management and will help you if you have claims. The biggest benefit of comparing insurance prices online is you can get better rates and still buy from a local agent. Putting coverage with local agents is still important in Honolulu.

Find insurance agent in HonoluluAfter completing this form (opens in new window), the quote information is transmitted to local insurance agents in Honolulu who can give free rate quotes for your business. You don't have to even leave your home due to the fact that quote results will go straight to your inbox. In the event you want to compare prices from a specific car insurance provider, don't hesitate to search and find their rate quote page to submit a rate quote request.

The type of auto insurance agent you choose is important

When finding a good insurance agency, you must know there are a couple different types of agencies to choose from. Car insurance policy providers are categorized either exclusive or independent. Either can sell and service car insurance coverage, but it's worth learning the difference in the companies they write for since it can impact the kind of agent you use.

Independent Car Insurance Agents (or Brokers)

Independent agencies can quote rates with many companies and that gives them the ability to insure with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.

When searching for an agent, you will want to include price quotes from several independent insurance agents to ensure the widest selection of prices.

Featured below is a partial list of independent insurance agents in Honolulu that can give you free rate quotes.


1350 S King St #303 - Honolulu, HI 96814 - (808) 591-5545 - View Map


500 Ala Moana Blvd # 2303 - Honolulu, HI 96813 - (808) 534-7300 - View Map


1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map

More Honolulu agents

Exclusive Agencies

Exclusive insurance agents can only provide one company's prices and examples are Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot compare other company's rates so they have no alternatives for high prices. Exclusive agencies are well trained on their products and sales techniques which can be an advantage.

Below are Honolulu exclusive insurance agencies who can help you get comparison quotes.


1649 Liliha St - Honolulu, HI 96817 - (808) 834-2222 - View Map


Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd - Honolulu, HI 96813 - (808) 533-2444 - View Map


1130 N Nimitz Hwy Rm A260 - Honolulu, HI 96817 - (808) 664-0970 - View Map

More Honolulu agents

Selecting a car insurance agent is decision based upon more than just the price. Any agent in Honolulu should have no problem answering these questions:

Don't give up on affordable rates

Some insurance providers may not have internet price quotes and most of the time these regional insurance providers only sell through independent insurance agencies. Cheaper car insurance in Honolulu is attainable on the web in addition to many Honolulu insurance agents, so you need to compare both to have the best rate selection.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed full coverage only to regret at claim time that it was a big mistake. The goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

More detailed car insurance information can be read at these sites: