Car Insurance in Wailuku - 7 Discounts You Might be Forgetting

No one in their right mind cherishes buying car insurance, especially when their premiums are too high.

Multiple compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest price

It's important to take a look at other company's rates periodically since rates are constantly changing. Even if you got the lowest price a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the only way to reduce your cost while improving coverage.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Finding affordable coverage in Wailuku is quite easy. Nevertheless, Hawaii car owners do need to know the methods companies use to price online insurance because it can help you find the best coverage.

Be sure to get all your discounts

Companies don't always list every available discount in an easy-to-find place, so we researched some of the more common as well as the least known ways to save on car insurance.

Early Signing - Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Resident Student - Any of your kids who are attending college and do not have a car can receive lower rates.
E-sign - A handful of insurance companies will give a small break simply for signing on their website.
Accident Forgiveness - A few companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
Memberships - Belonging to certain professional organizations could trigger savings on your policy.

It's important to understand that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way.

To see a list of providers offering car insurance discounts in Wailuku, click this link.

How to Get Wailuku Car Insurance Comparison Quotes

There are several ways to shop for car insurance, but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in Wailuku, or you could save time and use the internet to accomplish the same thing much quicker.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and every company can provide price quotes for coverage. This system prevents you from having to do quotation requests to each individual car insurance company. To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is that you can't choose which carriers you will receive quotes from. So if you prefer to choose specific insurance companies for rate comparison, we have a listing of car insurance companies in Hawaii. Click here for list of insurance companies in Hawaii.

It doesn't matter which method you choose, just be sure to compare the exact same coverage limits and deductibles for every company. If you use different liability limits it's impossible to decipher which rate is best in Wailuku. Having just a slight variation in coverage limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes will enable you to find the best rates.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's situation is a little different so this has to be addressed. For example, these questions may help highlight whether or not you could use an agent's help.

Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Do I need PIP (personal injury protection) coverage in Hawaii?
Why does it cost so much to insure a teen driver in Wailuku?
Does my liability insurance cover pulling a trailer or camper?
I have good health insurance, so how much medical payments coverage do I need?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Is there truth in advertising?

Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads make the same claim of big savings if you switch to their company. How do they all make the same claim?

All the different companies have a certain "appetite" for the driver that is profitable for them. For instance, a preferred risk could be over the age of 40, a clean driving record, and has excellent credit. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will be charged more money which leads to business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently make those claims. That is why drivers must get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates.

Final considerations

You just learned many ideas to compare car insurance prices online. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. Consumers may even find the lowest premiums are with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like .

While you're price shopping online, never reduce coverage to reduce premium. There have been many cases where someone dropped liability coverage limits only to discover later they didn't purchase enough coverage. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Low-cost car insurance can be found from both online companies and also from your neighborhood Wailuku agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional Hawaii consumer information

More tips and info about car insurance is located at the Hawaii Department of Commerce and Consumer Affairs website. Consumers can learn about specific coverages, file complaints about a company, read consumer alerts, and report car insurance fraud.