Top Ways to Save on Honokaa Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? You are no different than the majority of other car owners in Hawaii. Multiple compete for your insurance dollar, so it's not easy to compare every and get the best coverage at the lowest rate

It's important to get comparison quotes before your policy renews since insurance rates are constantly changing. Even if you think you had the best deal a year ago you may be paying too much now. So forget all the misinformation about auto insurance because it's time to teach you the only way to save on auto insurance.

Cheap Honokaa Auto Insurance Comparisons

Getting better auto insurance pricing is not a difficult process. Consumers just need to invest a few minutes to compare rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The first (and easiest) way consumers can analyze rates is a comparison rater form click to view form in new window. This method eliminates the need for repetitive form submissions for each company. In just a few minutes this one form will get you price quotes from multiple companies.

A harder way to shop for auto insurance online requires a visit to each individual company website and fill out their own quote form. For example, let's assume you want rates from , and . You would have to visit each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in Honokaa, click here.

The least efficient way of getting rate comparisons is to spend time driving to and from local Honokaa insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance of a licensed agent. You can, however, compare the best prices online but buy from a local insurance agent and we'll touch on that later.

Which method you use is up to you, but ensure you're using the exact same coverage limits for every quote you compare. If you have differing limits it will be next to impossible to determine the best price in Honokaa.

Understand what determines the rate you pay

It's important that you understand some of the elements that play a part in calculating auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that may reward you with better auto insurance rates.

Bump up deductibles to save - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, collision with an animal, or theft. Your deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the less your company will charge you for insurance.
Your stress level may be raising your rates - Jobs such as doctors, architects and accountants are shown to have higher rates than average attributed to high stress levels and long work hours. On the flip side, occupations like farmers, athletes and retirees pay the least.
Safer cars are cheaper to insure - Safer cars are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
Allowing your policy to lapse raises rates - Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.
How many coverages with the same company - Some companies will give a discount to people who have multiple policies with them. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to shop around to confirm you are receiving the best rates possible. Drivers may still find better rates by insuring with multiple companies.
Men are more aggressive - The statistics show that men are more aggressive behind the wheel. Now that doesn't mean men are WORSE drivers than women. Men and women have accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.
A clean driving record saves money - Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
Don't buy coverages you don't need - There are quite a few extra bells and whistles that you can buy if you aren't careful. Coverages like vanishing deductibles, towing coverage and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit. If they aren't giving you every credit available, you're just leaving money on the table.

Homeowners Pay Less - Owning a house in Honokaa may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
No Claims - Claim-free drivers can earn big discounts as compared to frequent claim filers.
Drive Less and Save - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Military Discounts - Having a deployed family member could be rewarded with lower premiums.
Use Seat Belts - Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with select insurance companies.

A little note about advertised discounts, most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

For a list of companies with discount auto insurance rates in Honokaa, follow this link.

Additional information is available on the website for the Hawaii Department of Commerce and Consumer Affairs through this link. Hawaii drivers can report car insurance fraud, read industry bulletins, find disaster information, and find a variety of consumer forms.

Best coverage at the best price

Cheaper auto insurance is attainable on the web in addition to many Honokaa insurance agents, so compare prices from both so you have a total pricing picture. Some companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

While you're price shopping online, you should never reduce needed coverages to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your aim should be to find the BEST coverage at an affordable rate.