Paying more affordable rates for Ford F-150 insurance in Honolulu could be challenging for drivers who are new to quoting coverage prices online. With such a large choice of online companies, it can quickly become a difficult challenge to find the lowest price on Ford F-150 insurance.
Amazingly, a recent NerdWallet.com study showed that over 70% of drivers have been with the same company for at least the last four years, and just under half have never quoted rates to find lower-cost coverage. The average driver in Honolulu can save nearly $400 each year by just comparing quotes, but they just don't understand the amount of money they would save if they switch to a new company.
It's a good habit to shop coverage around at least once a year since insurance prices change regularly. Even if you think you had the lowest quotes on Ford F-150 insurance in Honolulu a year ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you're about to find out the fastest way to properly buy coverages while reducing your premium.
Locating the most cost-effective insurance policy in Honolulu is not that difficult. If you have a policy now, you stand a good chance to be able to find better prices using this information. Nevertheless, Hawaii car owners must comprehend the methods companies use to sell online because rates fluctuate considerably.
When comparison shopping, there are several ways to compare quotes from many different Hawaii insurance companies. The quickest method to find cheaper rates consists of shopping online.
It's important to know that comparing a wide range of rates helps improve the odds of finding a lower rate than you're paying now. Not every company provides Honolulu F-150 insurance quotes online, so it's important to compare quotes on coverage from those companies, too.
The companies shown below provide quotes in Hawaii. If multiple companies are listed, we suggest you compare several of them to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$86||$118||$254||$16||$76||$550||$46|
|F-150 STX Regular Cab 2WD||$106||$174||$270||$16||$80||$646||$54|
|F-150 XL Super Cab 2WD||$152||$280||$248||$14||$74||$768||$64|
|F-150 XLT Regular Cab 2WD||$198||$338||$264||$16||$80||$896||$75|
|F-150 STX Super Cab 2WD||$180||$312||$272||$16||$82||$862||$72|
|F-150 XL Crew Cab 2WD||$162||$224||$270||$16||$80||$752||$63|
|F-150 XLT Super Cab 2WD||$162||$224||$270||$16||$80||$752||$63|
|F-150 STX Regular Cab 4WD||$204||$284||$264||$16||$80||$848||$71|
|F-150 XL Regular Cab 4WD||$108||$174||$278||$16||$84||$660||$55|
|F-150 FX2 Super Cab 2WD||$130||$194||$254||$16||$76||$670||$56|
|F-150 XLT Crew Cab 2WD||$196||$332||$300||$18||$90||$936||$78|
|F-150 XL Super Cab 4WD||$160||$258||$344||$20||$104||$886||$74|
|F-150 XLT Regular Cab 4WD||$176||$278||$278||$16||$84||$832||$69|
|F-150 XL Crew Cab 4WD||$110||$148||$248||$14||$74||$594||$50|
|F-150 STX Super Cab 4WD||$258||$338||$264||$16||$80||$956||$80|
|F-150 XLT Super Cab 4WD||$162||$178||$346||$20||$104||$810||$68|
|F-150 FX2 2WD||$180||$314||$344||$20||$104||$962||$80|
|F-150 Lariat Super Cab 2WD||$222||$404||$300||$18||$90||$1,034||$86|
|F-150 Lariat Crew Cab 2WD||$136||$246||$344||$20||$104||$850||$71|
|F-150 FX4 Super Cab 4WD||$144||$230||$248||$14||$74||$710||$59|
|F-150 XLT Crew Cab 4WD||$180||$292||$254||$16||$76||$818||$68|
|F-150 FX4 4WD||$198||$356||$300||$18||$90||$962||$80|
|F-150 Lariat Crew Cab 4WD||$138||$212||$270||$16||$80||$716||$60|
|F-150 SVT Raptor Super Cab 4WD||$122||$212||$300||$18||$90||$742||$62|
|F-150 Lariat Super Cab 4WD||$252||$474||$320||$18||$96||$1,160||$97|
|F-150 Lariat Crew Cab Platinum 2WD||$188||$328||$264||$16||$80||$876||$73|
|F-150 Lariat Crew Cab Harley 2WD||$258||$484||$264||$16||$80||$1,102||$92|
|F-150 Lariat King Ranch 2WD||$222||$458||$344||$20||$104||$1,148||$96|
|F-150 Lariat King Ranch 4WD||$136||$250||$300||$18||$90||$794||$66|
|F-150 Lariat Crew Cab Harley 4WD||$222||$418||$300||$18||$90||$1,048||$87|
|F-150 Lariat Crew Cab Platinum 4WD||$122||$212||$248||$14||$74||$670||$56|
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in garaging location in Honolulu which can increase or decrease insurance rates significantly.
Impact of citations and accidents on Honolulu insurance rates
The illustration below shows how traffic citations and at-fault collisions increase Ford F-150 insurance premiums for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Lower rate quotes with discounts
Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but occasionally some discounts must be requested specifically before being credited. If you don't get every credit possible, you are paying more than you should be.
- Passive Restraints - Factory air bags or motorized seat belts could see savings of up to 25% or more.
- Driver's Education for Students - Have your child enroll and complete driver's education if offered at their school.
- Organization Discounts - Belonging to qualifying clubs or civic groups can get you a small discount when getting a Honolulu auto insurance quote.
- Senior Citizen Rates - If you qualify as a senior citizen, you could receive a slight reduction on a Honolulu auto insurance quote.
- Sign Early and Save - Some larger companies provide a discount for switching companies early. You may see this discount when you get Honolulu auto insurance quotes online.
Policy discounts save money, but many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will bring down your premiums.
Larger auto insurance companies and a partial list of their discounts can be read below.
- GEICO discounts include anti-lock brakes, emergency military deployment, federal employee, driver training, and membership and employees.
- Auto-Owners Insurance may offer discounts for paperless, air bags, student away at school, good student, and safe driver.
- American Family includes discounts for mySafetyValet, early bird, air bags, Steer into Savings, accident-free, and good student.
- Esurance offers premium reductions for safety device, multi-policy, Pac-12 alumni, paid-in-full, and renters.
- Progressive policyholders can earn discounts including online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, and homeowner.
- State Farm offers discounts including good student, multiple policy, defensive driving training, student away at school, and anti-theft.
- AAA offers discounts for AAA membership discount, pay-in-full, education and occupation, anti-theft, multi-car, and good student.
If you need affordable Honolulu auto insurance quotes, ask every insurance company to apply every possible discount. A few discounts might not be available to policyholders in Honolulu. To find auto insurance companies that offer some of these discounts in Hawaii, click this link.
Why you need Ford F-150 insurance in Hawaii
Even though Honolulu F-150 insurance rates can get expensive, insuring your vehicle is most likely required but also gives you several important benefits.
First, just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability if you drive a vehicle. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Ford F-150, it's guaranteed your bank will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may insure your Ford at a more expensive rate and require you to fork over the higher premium.
Third, insurance safeguards both your car and your personal assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are sued as the result of an accident. If your Ford gets damaged, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance are without a doubt worth the cost, particularly when you have a large claim. According to a recent study, the average American driver is currently overpaying as much as $820 a year so it's recommended you shop around every year to ensure rates are inline.
Do I just need basic coverages?
When it comes to buying proper insurance coverage for your vehicles, there really isn't a one size fits all plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that may help highlight whether or not you may require specific advice.
- What is the minimum liability in Hawaii?
- How high should my medical payments coverage be?
- Am I covered if I hit a deer?
- Do I pay less if my vehicle is kept in my garage?
- Are split liability limits better than a combined single limit?
- If my Ford F-150 is totaled, can I afford another vehicle?
- Am I covered while delivering pizza?
- Is my Ford F-150 covered for smoke damage?
- Is a driver training discount available?
- Why are teen drivers so expensive to add on to my policy?
If you can't answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.
When to talk to a local insurance agent
Certain consumers still like to talk to an insurance agent and doing so can bring peace of mind A nice benefit of comparing insurance prices online is the fact that drivers can get better rates but still work with a licensed agent.
Upon completion of this simple form, the quote information is sent to local insurance agents who will give you quotes to get your business. It's much easier because you don't need to leave your computer since price quotes are sent to your email. You can find lower rates without requiring a lot of work. If you wish to compare rates from a particular provider, you just need to find their quoting web page and complete a quote there.
Finding the right insurer needs to be determined by more than just a cheap price quote. Any good agent in Honolulu should know the answers to these questions.
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they get extra compensation for selling add-on coverages?
- Is the agent properly licensed in Hawaii?
- Is every driver in your family covered?
- How much can you save by raising your physical damage deductibles?
- Did they already check your driving record and credit reports?
- Are they full-time agents?
When looking for local Honolulu agents, you need to know there are two types of agencies that you can select. Car insurance agencies can be classified as either exclusive or independent (non-exclusive).
Agents of this type can only provide one company's prices like Allstate, State Farm and Farmers Insurance. These agents are unable to compare rates from other companies so always compare other rates. Exclusive agents are trained well on their products and sales techniques and that can be a competitive advantage. Some people will only buy from the same agent for years primarily because of the prominence of the brand rather than having low rates.
Shown below are exclusive insurance agents in Honolulu willing to provide price quote information.
- State Farm: Darin Ono
1649 Liliha St - Honolulu, HI 96817 - (808) 834-2222 - View Map
- Allstate Insurance: Matthew Shido
3221 Waialae Ave Ste 386 - Honolulu, HI 96816 - (808) 737-3500 - View Map
- Larry Welsch - State Farm Insurance Agent
1575 S Beretania St Ste 203 - Honolulu, HI 96826 - (808) 944-3450 - View Map
Independent Insurance Agents
Independent agencies often have affiliation with several companies so they have the ability to put coverage with a variety of different insurance companies and find you cheaper rates. To move your coverage to a new company, they simply switch companies in-house and the insured can keep the same agent.
When comparing car insurance rates, you will want to compare prices from a couple of independent agencies to ensure the widest selection of prices. Most independent agents also contract with companies that do not advertise much that may have much lower rates than larger companies.
The following is a list of independent agents in Honolulu that can give you rate quotes.
- Pyramid Insurance Center Ltd
420 Waiakamilo Rd - Honolulu, HI 96817 - (808) 527-7667 - View Map
- Anita Butay Diniega
1088 Bishop St #2210 - Honolulu, HI 96813 - (808) 841-5915 - View Map
- Atlas Insurance
1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map
After receiving acceptable answers as well as a price you're happy with, you may have found an insurance agent that is reliable enough to provide car insurance coverage.