How to Know You're Throwing Money Away for Auto Insurance in Honolulu

Are you tired of trying to scrape together enough money each month for car insurance? You're in the same situation as millions of other consumers.

Because you have many options when it comes to auto insurance, it's difficult to locate the most cost effective provider.

Finding the best rates in Honolulu is quite easy. Just about every vehicle owner who has to buy auto insurance will be able to save money. Nevertheless, Hawaii vehicle owners do need to know how big insurance companies sell online and take advantage of how the system works.

Are you getting all your discounts?

Companies that sell car insurance don't always advertise all available discounts very well, so here is a list some of the best known and also the lesser-known ways to save on auto insurance.

Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for better rates on cars that stay parked.
Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
Homeowners Pay Less - Owning a home in Honolulu may earn you a small savings because maintaining a house requires personal responsibility.
Passive Restraints - Vehicles equipped with air bags can receive discounts of up to 25% or more.
Military Rewards - Having a family member in the military could be rewarded with lower premiums.
Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
Good Students Pay Less - Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.

It's important to understand that many deductions do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies make the same claim of big savings if you change to them. But how can every company say the same thing? It's all in the numbers.

All companies can use profiling for the type of driver that earns them a profit. An example of a profitable customer might be profiled as between 30 and 50, has no tickets, and has excellent credit. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile must pay higher prices which leads to business not being written. The ad wording is "customers who switch" not "everybody who quotes" save money. That's why insurance companies can confidently make those claims. This illustrates why you should get quotes from several different companies. It's not possible to predict the company that will have the lowest rates.

More Hawaii auto insurance information

More tips and info about auto insurance is available at the Hawaii Department of Commerce and Consumer Affairs website. Hawaii drivers can find disaster information, view a list of available companies, report car insurance fraud, and find out industry alerts.

Also read more on this page for auto insurance prices in Hawaii and this page of Honolulu insurance agents.

Do the work, save more money

Low-cost auto insurance can be sourced on the web and with local Honolulu insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered many ideas to reduce auto insurance prices online. It's most important to understand that the more companies you get rates for, the better your comparison will be. You may be surprised to find that the best prices are with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .