Insurance quote for Scion xB in HonoluluFeel like you're a prisoner to an underperforming, overpriced auto insurance policy? It's a common feeling and many Honolulu consumers are in the same pinch.

Shocking but true, a large majority of drivers have bought auto insurance from the same company for over three years, and practically 40% of auto insurance customers have never taken the time to shop around. Honolulu drivers could save nearly $400 every year by just comparing rate quotes, but they just don't understand the amount of savings they would get if they switched.

There are many insurance companies to purchase coverage from, and although it's nice to have multiple companies, it makes it harder to compare company pricing for Scion xB insurance in Honolulu.

This information will help educate you on the best ways to compare prices. If you currently have auto insurance, you stand a good chance to be able to find better prices using this information. But Hawaii drivers need to have an understanding of the methods companies use to charge you for coverage and take advantage of how the system works.

Cheapest Scion insurance price quotes in Honolulu

The companies in the list below are our best choices to provide free quotes in Honolulu, HI. If multiple providers are shown, it's a good idea that you visit as many as you can in order to get a fair rate comparison.

Scion xB Insurance Rate Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $196 $332 $300 $18 $90 $936 $78
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in specific location information which can lower or raise coverage rates greatly.

Safe drivers pay less for car insurance

The diagram below shows how speeding tickets and at-fault accidents can drive up Scion xB insurance premiums for each age group. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The diagram below shows the difference between Scion xB premium costs when comparing full coverage to state minimum liability only. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, married female driver, and no policy discounts are applied.

When to stop buying full coverage

There is no specific rule for phasing out physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's say your Scion xB replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after the deductible is paid. If it's costing you more than $800 a year for physical damage coverage, then it could be time to drop full coverage.

There are some cases where dropping full coverage is not a good plan. If you haven't paid off your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Take policy discounts and save on Scion xB insurance in Honolulu

Car insurance can cost a lot, but you may qualify for discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but some discounts are required to be requested specifically before they will apply.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, it doesn't quite work that way.

Insurance companies that possibly offer some of the discounts shown above may include but are not limited to:

When getting free Honolulu auto insurance quotes, it's a good idea to each company what discounts are available to you. All car insurance discounts may not apply to policyholders in your state. To find insurance companies who offer online Scion xB insurance quotes in Hawaii, follow this link.

Will just any policy work for me?

When quoting and choosing your policy, there isn't really a single plan that fits everyone. Everyone's situation is unique and a cookie cutter policy won't apply. These are some specific questions can help discover if you would benefit from an agent's advice.

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

You may want advice from an insurance agency

Many people still prefer to have an agent's advice and that is just fine! One of the best bonuses of getting online price quotes is you may find lower rates but also keep your business local. Buying from and supporting local agencies is definitely important in Honolulu.

Insurance agents in HonoluluTo make it easy to find an agent, after completing this short form, the coverage information is immediately sent to local insurance agents that provide free Honolulu auto insurance quotes and help you find cheaper coverage. There is no reason to visit any agencies since price quotes are sent immediately to your email address. You'll get the best rates without requiring a lot of work. In the event you want to get a rate quote from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.

When researching a reputable agency, you need to know there are two different types of agencies and how they are distinctly different. Insurance policy providers can be classified as either independent or exclusive.

Independent Agents

Agents in the independent channel do not sell for just one brand so they can quote policies through many companies and find the cheapest rate. If your agent finds better pricing, an independent agent can move your coverage and you don't have to do anything.

If you need cheaper insurance rates, you should always compare prices from independent agents for maximum quote selection.

Featured below are Honolulu independent insurance agents that can possibly get you free insurance quotes.


800 Bethel St # 200 - Honolulu, HI 96813 - (808) 538-6938 - View Map


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


250 Ward Ave #220 - Honolulu, HI 96814 - (808) 626-5068 - View Map

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Exclusive Agencies

These agents have only one company to place business with and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which aids in selling service over price.

Shown below is a short list of exclusive insurance agencies in Honolulu who can help you get comparison quotes.


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


1580 Makaloa St #102 - Honolulu, HI 96814 - (808) 945-0802 - View Map


560 N Nimitz Hwy #217f - Honolulu, HI 96817 - (808) 524-9997 - View Map

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Finding the right insurance agent is decision based upon more than just a low price. Get answers to these questions too.

Save $427 a year. For real?

Companies like State Farm, GEICO and Progressive regularly use ads in print and on television. All the ads try to convey promises that you can save if you change to their company. How does each company charge you less for car insurance? Just pay attention to how they say it.

All companies quote their cheapest rates for the type of insured that will not have excessive claims. For example, this type of risk profile should be a female over age 40, has no tickets, and does not commute to work. Anyone who matches those parameters gets the lowest car insurance rates as well as save some money.

Drivers who are not a match for these stringent criteria must pay higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" not "everybody who quotes" save the amount stated. That's why companies can make it sound like they have such great car insurance rates.

Because every company is different, it's extremely important to compare free Honolulu auto insurance quotes often. It's just not possible to know which insurance companies will have the lowest rate quotes.

Don't give up on affordable coverage

We just presented some good ideas how you can get a better price on Scion xB insurance in Honolulu. The key concept to understand is the more times you quote, the higher your chance of finding cheaper Honolulu auto insurance quotes. You may even discover the biggest savings come from the smaller companies. Smaller companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Lower-priced insurance in Honolulu can be bought from both online companies and from local insurance agents, and you should compare rates from both so you have a total pricing picture. A few companies may not provide online price quotes and these smaller companies provide coverage only through independent insurance agencies.

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