Car Insurance in Kapolei, HI - 10 Tricks to Save Money

Having to pay for overpriced car insurance can dwindle your savings account and make it impossible to make ends meet. Comparing price quotes is a smart way to lower your monthly bill. Popular companies such as GEICO and Progressive continually hit you with ads and it is difficult to sift through the bull and do the work needed to find the best deal.

If you have a current car insurance policy or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Finding affordable coverage in Kapolei is quite easy. Hawaii drivers only need an understanding of the most efficient way to compare rates over the internet.

Free Kapolei Car Insurance Quotes

Cutting your Kapolei car insurance rates can be surprisingly simple. Consumers just need to spend a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The recommended way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method saves time by eliminating repetitive form submissions for each company you want a rate for. One form gets rate comparisons from multiple companies.
A more time consuming way to shop for car insurance online is spending the time to visit the website of each company to complete a price quote. For instance, let's assume you want comparison quotes from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker.

For a list of links to companies insuring cars in Kapolei, click here.
The least efficient way to get comparison rates is to waste gas driving to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you want the professional guidance that only a license agent can provide. You can, however, get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make darn sure you compare exactly the same information for every company. If your comparisons have higher or lower deductibles then you won't be able to decipher which rate is best in Kapolei.

Policy discounts you shouldn't miss

Auto insurance companies do not list every discount in a way that's easy to find, so we break down both the well known and also the lesser-known car insurance savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
Multiple Policy Discount - When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.
Paperwork-free - A few companies may give you up to $50 simply for signing digitally online.
Driver Safety - Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Discount for Life Insurance - Larger companies have better rates if you take out life insurance.
Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

To see a list of insurance companies who offer car insurance discounts in Kapolei, follow this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every situation is different and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation might need an agent's assistance.

Why am I required to get a high-risk car insurance policy?
Do I pay less if my vehicle is kept in my garage?
Can I still get insurance after a DUI?
Do I have coverage for damage caused while driving under the influence?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
Should I put collision coverage on all my vehicles?
What are the best liability limits?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

More sites with car insurance information

More tips and info about car insurance can be found at the Hawaii Department of Commerce and Consumer Affairs website. Visitors are able to read industry bulletins, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and download brochures.