Comparing Low-Cost Kealakekua Car Insurance

Have you had enough of trying to scrape together enough money each month for car insurance? You're in the same situation as many other Hawaii drivers.

With consumers having so many different company options, it's nearly impossible to locate the best car insurance company.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don't even know exist. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be inquired about before you get the savings.

Lower Rates for Military - Being deployed with a military unit could mean lower rates.
Employee of Federal Government - Active or retired federal employment can save as much as 8% depending on your company.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Good Students Pay Less - Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
Senior Citizens - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.

It's important to note that some credits don't apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will help reduce the amount you have to pay.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in lower car insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate premiums.

Choose a safe vehicle and save - Cars with high safety ratings get lower rates. Safe vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
Frequent car insurance claims increase rates - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies in Hawaii generally give discounts to drivers who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
Do you know you're credit rating? - A driver's credit score is a large factor in your rate calculation. If your credit score is lower than you'd like, you could potentially save money when insuring your by improving your rating. People with excellent credit tend to be more responsible than those with poor credit.
Bad driving skills means higher rates - Whether or not you get tickets has a big impact on rates. Drivers who don't get tickets receive lower rates than bad drivers. Even a single speeding ticket can bump up the cost by twenty percent. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Older drivers pay less - Youthful drivers in Hawaii are statistically proven to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, tend to file fewer claims and are safer drivers.
Liability insurance protects assets - Liability insurance will protect you if you are found liable for personal injury or accident damage. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Your job and insurance rates - Did you know your occupation can influence how much you pay for car insurance? Occupations such as lawyers, social workers and stock brokers have the highest rates attributed to high stress and lengthy work days. On the other hand, occupations like farmers, students and homemakers get better rates.

Save $429 a year? Really?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies have a common claim that you can save if you switch your coverage to them. But how can every company claim to save you money?

All companies can use profiling for the type of customer that earns them a profit. For example, a profitable customer might be a mature driver, is a homeowner, and has great credit. Any driver that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile must pay a higher premium and this can result in the customer not buying. The ad wording is "people who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can advertise the savings.

This illustrates why drivers should get quotes from several different companies. You cannot predict the company that will fit your personal profile best.

Learn more today

More information can be found on the website for the Hawaii Department of Commerce and Consumer Affairs through this link. Visitors are able to find disaster information, download brochures, find out industry alerts, and file complaints about a company.

Also read more on this page for car insurance prices in Hawaii and this page of Kealakekua insurance agents.

Affordable insurance is out there

Lower-priced car insurance can be found both online as well as from independent agents in Kealakekua, and you need to price shop both to have the best selection. There are still a few companies who don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.