Scraping up a payment for pricey Toyota Sequoia insurance in Honolulu can dry up your monthly budget and put a big crunch on your finances. Getting a rate comparison is an excellent way to ensure you are getting the best deal.

Discount Toyota Sequoia insuranceA recent auto insurance study discovered that the vast majority of consumers have bought auto insurance from the same company for at least four years, and almost half have never compared rate quotes at all. With the average auto insurance premium being $1,847, U.S. drivers could save themselves approximately $850 a year, but they don't believe the large savings they would see if they changed companies.

Due to the increasing number of auto insurance companies to choose from, it can be challenging to locate the most affordable auto insurance company.

Smart consumers take time to price shop coverage at least once a year because auto insurance rates trend upward over time. Just because you had the lowest premium rates on Toyota Sequoia insurance in Honolulu a year ago there is a good chance you can find better prices now. There is a lot of bad information regarding Sequoia insurance online, but in this article, you're going to get some tested techniques to reduce your auto insurance bill.

Best companies for Toyota Sequoia insurance

The auto insurance companies shown below offer price quotes in Honolulu, HI. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.

Toyota Sequoia Insurance Rate Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $110 $180 $248 $14 $74 $626 $52
Sequoia SR/5 4WD $122 $264 $300 $18 $90 $794 $66
Sequoia Limited 2WD $198 $338 $248 $14 $74 $872 $73
Sequoia Limited 4WD $210 $328 $264 $16 $80 $898 $75
Sequoia Platinum 2WD $202 $370 $270 $16 $80 $938 $78
Sequoia Platinum 4WD $222 $458 $278 $16 $84 $1,058 $88
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.

Higher deductibles save money

The illustration below highlights how deductible choice and can influence Toyota Sequoia insurance costs for each age group. The data assumes a single male driver, comp and collision included, and no discounts are applied to the premium.

Policy deductible comparison

One frequently asked question is what deductibles to buy. The comparisons below may help to illustrate the price difference between low and high comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Toyota Sequoia insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $230 $344 $264 $16 $80 $959 $80
Sequoia SR/5 4WD $230 $406 $264 $16 $80 $1,021 $85
Sequoia Limited 2WD $258 $406 $264 $16 $80 $1,049 $87
Sequoia Limited 4WD $258 $406 $264 $16 $80 $1,049 $87
Sequoia Platinum 2WD $258 $468 $264 $16 $80 $1,111 $93
Sequoia Platinum 4WD $258 $468 $264 $16 $80 $1,111 $93
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Toyota Sequoia insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $188 $278 $264 $16 $80 $826 $69
Sequoia SR/5 4WD $188 $328 $264 $16 $80 $876 $73
Sequoia Limited 2WD $210 $328 $264 $16 $80 $898 $75
Sequoia Limited 4WD $210 $328 $264 $16 $80 $898 $75
Sequoia Platinum 2WD $210 $378 $264 $16 $80 $948 $79
Sequoia Platinum 4WD $210 $378 $264 $16 $80 $948 $79
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in vehicle location which can decrease or increase price quotes noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $13 more each month or $156 for a full year than selecting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 19 months between claims, you would probably be better off by going with a higher deductible.

These discounts can lower Toyota Sequoia insurance rates

Companies don't always list every discount they offer in a way that's easy to find, so we break down some of the best known and the harder-to-find ways to save on insurance.

Remember that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. Just because you may think you could get a free insurance policy, companies don't profit that way. Any qualifying discounts should help lower the amount you have to pay.

To locate insurers that offer multiple discounts in Hawaii, follow this link.

Local Honolulu insurance agencies

Some people would prefer to buy from a local agent and we recommend doing that A nice benefit of price shopping on the web is the fact that drivers can get lower rates and still have an agent to talk to.

Insurance agents in HonoluluAfter filling out this simple form, the quote information gets sent to participating agents in Honolulu who will give competitive quotes for your insurance coverage. You don't have to leave your house since price quotes are sent to you directly. You can get cheaper insurance rates without a big time investment. If you have a need to get a rate quote from one company in particular, you can always navigate to their website and fill out their quote form.

Finding the right company requires you to look at more than just a low price. The following questions are important to ask.

Exclusive and independent Honolulu car insurance agents

If you prefer to buy insurance from local Honolulu agents, you should know the different types of agencies and how they work. Insurance agents can either be independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Agents in the exclusive channel work for only one company like AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to compare other company's rates so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on their company's products which helps offset the inability to provide other markets.

Below is a list of exclusive insurance agents in Honolulu that can give you price quote information.


600 Kapiolani Blvd #210 - Honolulu, HI 96813 - (808) 599-7666 - View Map


1221 Kapiolani Blvd #1015 - Honolulu, HI 96814 - (808) 593-9288 - View Map


2024 N King St #101b - Honolulu, HI 96819 - (808) 842-5844 - View Map

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Independent Agents

Agents in the independent channel do not have single company limitations so they can write business with an assortment of companies enabling the ability to shop coverage around. If you want to switch companies, your policy is moved internally which makes it simple for you.

If you need cheaper insurance rates, you will definitely want to include price quotes from a couple of independent agencies to get the best comparison.

Below is a short list of independent insurance agencies in Honolulu that can give you price quotes.


1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map


1100 Alakea St #2600 - Honolulu, HI 96813 - (808) 537-1970 - View Map


420 Waiakamilo Rd - Honolulu, HI 96817 - (808) 527-7667 - View Map

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Keep this in mind when shopping around

When searching for affordable Toyota Sequoia insurance quotes, it's a bad idea to skimp on coverage in order to save money. In many cases, an insured dropped full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

Low-cost Toyota Sequoia insurance in Honolulu is definitely available from both online companies as well as from independent agents in Honolulu, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and these smaller companies only sell coverage through independent agencies.

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