Wish you could get a refund on high-priced Mitsubishi Lancer insurance in Honolulu? Trust us, there are many people just like you.
Unbelievably, nearly 70% of customers kept their policy with the same company for at least the last four years, and approximately 40% of consumers have never compared rates from other carriers. American drivers can save hundreds of dollars each year just by getting comparison quotes, but they just assume it's a time-consuming process to compare rate quotes. Lots of auto insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer to get the best rates possible on Mitsubishi Lancer insurance in Honolulu.
If you are already insured or are looking for a new policy, use these cost-cutting techniques to save money while maximizing coverage. Locating the most cost-effective auto insurance policy in Honolulu is much easier if you know where to start. Drivers just need to use the proper methods to quote multiple rates instantly.
The fastest way that we advise to compare rates for Mitsubishi Lancer insurance in Honolulu takes advantage of the fact most of the bigger providers actually pay money for the chance to give free rates quotes. The one thing you need to do is provide a little information like how much you drive, your credit rating estimate, how much school you completed, and level of coverage desired. Your insurance information is sent automatically to many highly-rated insurers and you will receive price estimates instantly.
To start a rate quote now, click here and enter the information requested.
The companies shown below offer quotes in Honolulu, HI. If more than one company is shown, we suggest you compare several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lancer Sportback GTS||$222||$458||$300||$18||$90||$1,088||$91|
|Lancer Sportback Ralliart||$150||$326||$300||$18||$90||$884||$74|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in garaging location in Honolulu which can increase or decrease prices noticeably.
Cost comparison with and without full coverage
The information below shows the comparison of Mitsubishi Lancer yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. The information is based on no tickets, no at-fault accidents, $500 deductibles, single male driver, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no set rule of when to eliminate full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let's pretend your Mitsubishi Lancer replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If premiums are more than $300 a year to have full coverage, then you might consider buying liability only.
There are some conditions where removing full coverage is not recommended. If you haven't satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Age, gender, and Mitsubishi Lancer insurance
The illustration below shows the difference between Mitsubishi Lancer insurance premiums for male and female drivers. The data is based on no claims or driving violations, full coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Insurance agents can help
Always remember that when buying the best insurance coverage for your vehicles, there really isn't a cookie cutter policy. Your needs are not the same as everyone else's.
Here are some questions about coverages that may help you determine if your insurance needs might need an agent's assistance.
- Do I really need UM/UIM coverage?
- Should I rate my Mitsubishi Lancer as pleasure use or commute?
- What does medical payments coverage do?
- Why do I need rental car insurance?
- Do I have coverage if my license is suspended?
- How much underlying liability do I need for an umbrella 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. It's fast, doesn't cost anything and can help protect your family.
Neighborhood Honolulu auto insurance agents
Certain consumers would prefer to talk to a local agent and that is OK! Good agents can help you choose the best coverages and will help you if you have claims. The best thing about price shopping on the web is the fact that drivers can get the best rates but also keep your business local.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to agents in your area who can give free rate quotes to get your business. It makes it easy because there is no need to leave your house since price quotes are sent immediately to your email address. If you want to get a rate quote from a specific insurance company, you would need to visit that company's website to submit a rate quote request.
Finding the right company requires you to look at more than just the premium amount. Any good agent in Honolulu should know the answers to these questions.
- Are there any extra charges for paying monthly?
- Can you choose the body shop in case repairs are needed?
- Are they able to influence company decisions when a claim is filed?
- If independent agents, which companies do they recommend?
- Do they specialize in personal lines coverage in Honolulu?
- What will you get paid if your car is a total loss? How is that amount determined?
- Is there a Errors and Omissions policy in force?
- What is the financial rating for the quoted company?
If you want to use a good insurance agency, there are two different agency structures and how they can quote your rates. Auto insurance agents are categorized either independent agents or exclusive agents depending on their employer. Either can insure your vehicles properly, but it is important to understand the difference in how they write coverage because it can factor into which type of agent you select.
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with and some examples include Farmers Insurance, State Farm, or Allstate. They are unable to provide other company's prices so they really need to provide good service. Exclusive agents are highly trained on the products they sell which helps them sell on service rather than price.
Below is a list of exclusive agents in Honolulu that can give you price quote information.
Suzette Rudolf Trehern - State Farm Insurance Agent
7192 Kalanianaole Hwy g210 - Honolulu, HI 96825 - (808) 395-3434 - View Map
Independent Insurance Agents
Independent agents are normally appointed by many insurers so they can quote policies with an assortment of companies depending on which coverage is best. If your agent finds better pricing, your agent can just switch to a different company and you can keep the same agent.
If you need lower rates, you need to compare prices from at a minimum one independent agency to get the best comparison.
Below is a list of independent agents in Honolulu willing to provide price quotes.