Car Insurance in Wahiawa - 5 Discounts You Might be Missing

If online car insurance comparisons are new to you, you may be confused by the sheer number of car insurance companies selling insurance in Wahiawa.

It's important to price shop coverage periodically since rates are constantly changing. Even if you got the best rates last year there may be better deals available now. You can find a lot of wrong information about car insurance online but I'm going to show you some great ways to stop overpaying for insurance.

Wahiawa car insurance comparison

How much can you save with these 5 discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked for prior to getting the savings. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Early Signing - Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
  • Anti-theft System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Defensive Driver - Taking a defensive driving course can save you 5% or more depending on where you live.
  • Payment Discounts - By paying your policy upfront rather than paying monthly you could save 5% or more.

As a disclaimer on discounts, some credits don't apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

For a list of companies offering car insurance discounts in Wahiawa, click here.

Wahiawa Car Insurance Comparisons

There are several ways to shop for car insurance, but some are easier and takes less work. You can waste hours talking about coverages with insurance agencies in Wahiawa, or you could save time and use the web to get pricing more quickly.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company then gives them pricing determined by their information. This prevents consumers from doing quote requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is you are unable to specify the companies to receive prices from. So if you prefer to choose individual companies to compare rates, we put together a list of car insurance companies in Hawaii. Click here for list of insurance companies in Hawaii.

Whichever method you choose, be sure to compare the exact same coverage limits and deductibles on every quote you get. If your comparisons have different liability limits it's not possible to determine which rate is truly the best in Wahiawa.

How much car insurance do I need?

When it comes to choosing coverage for your vehicles, there is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It's fast, free and can help protect your family.

A tidy conclusion

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are many occasions where someone dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford.

We just covered a lot of ways to get a better price on car insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with the least-expected company.

Cheap car insurance can be found both online in addition to many Wahiawa insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online quoting and most of the time these small insurance companies sell through independent agents.