Tightwads Guide to Saving on Waimea Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out.

Since consumers have many choices of insurance companies, it is very difficult to choose the right company.

car insurance in Waimea

These discounts can lower your rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

  • Fewer Miles Equal More Savings - Driving fewer miles could qualify for better rates on cars that stay parked.
  • Homeowners Discount - Owning a home in Waimea may earn you a small savings because owning a home demonstrates responsibility.
  • Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Senior Citizens - Older drivers may qualify for a small decrease in premiums.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it just doesn't work that way. But any discount will help reduce the cost of coverage.

For a list of insurers offering car insurance discounts in Hawaii, click this link.

Comprehensive Waimea Car Insurance Comparison

Most major insurance companies allow you to get price estimates on their websites. Obtaining pricing is quite simple as you just enter the coverages you want as detailed in the form. Once entered, the system will obtain reports for credit and driving violations and returns a price based on many factors. This streamlines rate comparisons, but having to visit each company's website and repetitively type in the same information can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible in order to find better car insurance pricing.

There is a better way!

A more efficient way to lower your rates makes use of a single form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. Immediately after you send the form, it is rated and you can choose any or none of the quotes that you receive.

If the quotes result in lower rates, it's easy to complete the application and buy the new coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

In order to find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in the coverage information as shown on your current policy. This helps ensure you are getting comparison quotes based on identical coverages.

Final considerations

Affordable car insurance is available both online as well as from independent agents in Waimea, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies don't offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

We just presented some good ideas how to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a company that doesn't do a lot of advertising. These companies can often insure niche markets at a lower cost than the large multi-state companies such as .

As you go through the steps to switch your coverage, don't be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.