Are you at wits end from sacrificing to pay auto insurance each month? You are in the same boat as most other consumers in Hawaii.

Insurance for Toyota TacomaUnbelievable but true according to a study most auto insurance customers kept their coverage with the same auto insurance company for four years or more, and 38% of drivers have never compared rates to find cheap insurance. Hawaii consumers can cut their rates by nearly 40% a year, but they don't believe how much savings they would realize if they switch to a new company. With so many insurance providers from which to choose, it can be challenging to choose a more affordable auto insurance provider.

It is always a good idea to compare premium rates once or twice a year because auto insurance rates change regularly. Even if you got the best deal on Toyota Tacoma insurance in Honolulu at your last renewal the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

Finding a better price on auto insurance can be relatively painless. You just have to take the time getting comparison quotes provided by online insurance companies.

It's so simple to compare auto insurance rate quotes online makes it obsolete to call or drive to different Honolulu agent offices. Comparing online rate quotes reduces the need to sit down with an agent unless you have a complicated situation and need the professional abilities only provided by licensed Honolulu agents. However, consumers can compare the best prices online but still have the advice of a local agent.

The companies shown below have been selected to offer comparison quotes in Hawaii. If several companies are displayed, we suggest you compare several of them in order to get a fair rate comparison.

Toyota Tacoma Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $154 $338 $300 $18 $90 $900 $75
Tacoma 4WD $162 $224 $270 $16 $80 $752 $63
Tacoma Double Cab 4WD $186 $318 $272 $16 $82 $874 $73
Tacoma X-Runner 2WD $160 $346 $254 $16 $76 $852 $71
Tacoma Double Cab 4WD $122 $212 $278 $16 $84 $712 $59
Tacoma Double Cab TRD Off-Road Package 4WD $198 $356 $300 $18 $90 $962 $80
Tacoma Double Cab TRD Sport Package 4WD $122 $212 $300 $18 $90 $742 $62
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle location which can alter coverage rates noticeably.

Policy deductible comparison

One of the hardest decisions when shopping for car insurance is which comprehensive and collision deductibles to buy. The comparison tables below show the differences in premium rates when you buy lower versus higher deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Toyota Tacoma insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $178 $344 $264 $16 $80 $907 $76
Tacoma 4WD $204 $284 $264 $16 $80 $873 $73
Tacoma Double Cab 4WD $204 $344 $264 $16 $80 $933 $78
Tacoma X-Runner 2WD $204 $406 $264 $16 $80 $995 $83
Tacoma Double Cab 4WD $230 $344 $264 $16 $80 $959 $80
Tacoma Double Cab TRD Off-Road Package 4WD $230 $344 $264 $16 $80 $959 $80
Tacoma Double Cab TRD Sport Package 4WD $230 $344 $264 $16 $80 $959 $80
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Toyota Tacoma insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $144 $278 $264 $16 $80 $782 $65
Tacoma 4WD $166 $228 $264 $16 $80 $754 $63
Tacoma Double Cab 4WD $166 $278 $264 $16 $80 $804 $67
Tacoma X-Runner 2WD $166 $328 $264 $16 $80 $854 $71
Tacoma Double Cab 4WD $188 $278 $264 $16 $80 $826 $69
Tacoma Double Cab TRD Off-Road Package 4WD $188 $278 $264 $16 $80 $826 $69
Tacoma Double Cab TRD Sport Package 4WD $188 $278 $264 $16 $80 $826 $69
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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 claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower price quotes substantially.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $11 more each month or $132 each year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 23 months between claims, you would most likely save money if you opt for a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $79
Average monthly premium for $500 deductibles (subtract): - $68
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important note is that raising deductibles to save money results in more money out-of-pocket when you have a claim. It will be required that you have some savings in the bank in the event you have to pay the higher deductible in order to repair your vehicle.

Save money with these nine price cutting discounts

Companies that sell car insurance do not advertise their entire list of discounts in a way that's easy to find, so the list below contains a few of the more well known as well as some of the hidden credits that may apply to you.Insurance discounts

As a sidenote, some credits don't apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like it's possible to get free car insurance, you aren't that lucky.

A partial list of companies that may have many of the previously listed discounts include:

If you need lower rates, check with every insurance company which discounts you may be entitled to. Some discounts listed above might not be offered in your state. To choose insurance companies with the best discounts in Honolulu, follow this link.

When to have guidance from a local insurance agent

Some consumers just prefer to buy from a local agent and that is a personal choice. Licensed agents are trained risk managers and help in the event of a claim. A nice benefit of comparing rate quotes online is that drivers can save money and get cheap rate quotes and still have an agent to talk to.

For easy comparison, once you complete this short form, the coverage information is emailed to local insurance agents who will give you bids for your business. It simplifies rate comparisons since you won't have to contact an agency since rate quotes are delivered directly to you. If you want to compare rates from a specific car insurance provider, don't hesitate to search and find their rate quote page and fill out the quote form the provide.

Finding the right insurance company requires more thought than just a cheap quote. Any agent in Honolulu should be willing to answer these questions.

When researching an insurance agent, there are two different types of agencies that differ in how they can insure your vehicles. Agents in Honolulu are categorized either independent or exclusive depending on the company they work for. Either can sell and service car insurance coverage, but it's worth mentioning the difference in the companies they write for since it may influence buying decisions.

Exclusive Car Insurance Agents

Exclusive agencies can usually just insure with one company and some examples include Farmers Insurance, Allstate, or State Farm. They usually cannot provide other company's prices so keep that in mind. Exclusive insurance agents are highly trained on sales techniques which helps overcome the inability to quote other rates.

Listed below is a list of exclusive insurance agents in Honolulu that are able to give price quote information.


1016 Kapahulu Ave #250 - Honolulu, HI 96816 - (808) 734-3265 - View Map


7192 Kalanianaole Hwy g210 - Honolulu, HI 96825 - (808) 395-3434 - View Map


1313 S Beretania St #100 - Honolulu, HI 96814 - (808) 593-8221 - View Map

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Independent Insurance Agents

Agents that choose to be independent do not write with just one company and that allows them to write policies through many different car insurance companies and get you the best rates possible. If they find a cheaper price, the agent simply finds a different carrier and that require little work on your part. If you need cheaper car insurance rates, you definitely need to get rate quotes from at a minimum one independent agency to have the best price comparison.

The following is a short list of independent agents in Honolulu who can help you get price quote information.


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


1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map


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

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What is the best auto insurance coverage?

Keep in mind that when it comes to choosing proper insurance coverage, there really isn't a cookie cutter policy. Everyone's situation is a little different so this has to be addressed.Auto insurance savings These are some specific questions could help you determine whether or not you may require specific advice.

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.

Insurance companies are expert advertisers

Consumers in Hawaii can't avoid all the ads for the lowest price insurance from companies such as State Farm, GEICO and Progressive. All the ads advertise claims that drivers will save a bundle if you change to them.

How is it possible that every company can give you a lower rate on Toyota Tacoma insurance in Honolulu? It's all in the words they use.

Insurance companies have underwriting criteria for the type of driver that will most likely be profitable. One example of a profitable customer could possibly be a female over age 40, has a clean driving record, and drives a lower-performance vehicle. Any new insured that meets those criteria will get the preferred car insurance rates in Honolulu as well as pay quite a bit less when switching companies.

People who may not quite match the requirements will be quoted a more expensive rate and this can result in the driver buying from a lower-cost company. If you listen closely, the ads state "drivers who switch" but not "everyone who gets a quote" save that much. That's why insurance companies can confidently make those claims. Different companies use different criteria so it's extremely important to quote coverage with many companies. It's not possible to predict the company that will have the lowest rate quotes.

Car insurance coverage basics

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on the average car insurance policy.

Auto liability insurance - Liability coverage can cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 20/40/10 which means $20,000 in coverage for each person's injuries, a total of $40,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.

Liability coverage pays for claims such as legal defense fees, court costs and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford. Hawaii requires drivers to carry at least 20/40/10 but it's recommended drivers buy better liability coverage.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as EMT expenses, nursing services, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage - This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Toyota Tacoma.

Since many Hawaii drivers only carry the minimum required liability limits (which is 20/40/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection - This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, a tree branch falling on your vehicle, a broken windshield, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Collision - Collision coverage will pay to fix damage to your Tacoma resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to raise the deductible on your Tacoma to save money on collision insurance.

Cheaper auto insurance rates are possible

When shopping online for auto insurance, you should never buy poor coverage just to save money. There have been many cases where someone sacrificed liability coverage limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the best cost, not the least amount of coverage.

In this article, we covered a lot of tips how to shop for Toyota Tacoma insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the lesser-known companies. These companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate or State Farm.

To learn more, take a look at the resources below: