Who Has Cheap Car Insurance Quotes for Government Employees in Hawaii?

You have most likely watched the ads from insurers like Farmers and Liberty Mutual claiming enormous savings. So you just need to choose any of them, right?

Unfortunately, it’s just not that easy, as there are a whole slew of unknown factors like what deductibles you want to use, your current insurance company, if you are insuring for full coverage or just liability only, and whether you have good credit, that all impact the price you pay. The information below covers these things and will hopefully give you a jump start in finding the best auto insurance.

When shopping for insurance for state and federal workers, one of the many considerations that insurance companies take into consideration when calculating the price you pay for insurance is where you call home in Hawaii. Cities with larger populations like Hilo, Schofield Barracks, and Waimalu tend to have higher rates, whereas more rural areas tend to receive cheaper rates.

The information below illustrates the most expensive areas in Hawaii for government employees to buy car insurance in.

Premium costs are estimated as the specific area where the vehicle is garaged can influence rates considerably.

The type of vehicle to be insured is probably the most important factor that determines the availablility of low-priced coverage for government employees. Vehicles with limited speed and performance, a great safety record, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The tables below illustrates coverage premiums for the more afforable automobiles to buy coverage for.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific location which can revise coverage rates considerably.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific location information which can impact rates substantially.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in specific Hawaii garaging location which can impact insurance rates noticeably.

Locating low-priced auto insurance is confusing at best, and determining which companies have the best auto insurance rates for government employees will require even more shopping around.

Each auto insurance company has a proprietary formula to establish rates, so first we will examine the most affordable auto insurance companies in Hawaii. It’s important that you understand Hawaii auto insurance rates are based on many factors that can increase the price of your policy. Getting older, buying a home, or getting a ticket for running a stop sign can trigger changes in premium that can now make some companies more expensive than competitors.

Cheap Insurance Rates in Hawaii

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USAA may offer some of the most affordable car insurance rates in Hawaii at around $926 each year. State Farm, GEICO, Liberty Mutual, and Progressive also make the cut as some of the lowest-priced Hawaii auto insurance companies.

In the above example, if you are a customer of Liberty Mutual and switched to State Farm, you might achieve an annual premium reduction of in the vicinity of $312. Policyholders with Progressive may save as much as $451 a year, and First of Hawaii insureds might realize rate reductions of up to $838 a year.

To get a quick, customized rate comparison, click here to start a quote or visit any of the low-priced companies below.

Understand that those premiums are averages across all ages of drivers and types of vehicles and do not factor in a price discount for government employees. So the car insurance company that has the cheapest rates for you may not even be shown in the list of companies shown earlier. That emphasizes why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

The diagram below shows how choosing a deductible can raise or lower insurance costs when trying to find cheap insurance for government employees. The information is based on a single female driver, full coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2123,1953,1765,1591],[‘Age 30’, 1477,1353,1211,1077],[‘Age 40’, 1371,1257,1129,1007],[‘Age 50’, 1199,1103,989,881],[‘Age 60’, 1157,1065,957,853],[‘Age 70’, 1345,1237,1119,1007]]);var options = {title: ‘Effect of Higher Deductibles on Insurance Cost in Hawaii’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could pocket $210 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $318 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, can save as much as $532 each year by selecting a higher deductible. If you make the decision to raise deductibles, it is a good idea to have emergency funds available to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How to get cheap auto insurance for government employees in Hawaii

Here are many penny-pinching ideas that can help Hawaii drivers quote lower-cost coverage.

• Increase your policy deductibles
• Bundle home and auto and earn a discount
• Safer vehicles cost less to insure
• Don’t waste money on full coverage for older vehicles
• Better credit rating means better rates
• Earn a discount by not filing claims
• Shop around for cheaper rates regularly

That last piece of advice is especially vital, as we stressed in this article. Insurance rates can change considerably based on profitability, so drivers shouldn’t hesitate to buy a policy from a new company if you find a cheaper price. Brand loyalty is great, but we do not recommend it if that stubbornness costs you hundreds of dollars a year. Take a few minutes and compare prices and find cheaper auto insurance for government employees.