When looking at everything from climate to culture, no place in the U.S. can compare to Hawaii. Auto insurance is, however, one area where the Aloha State and the mainland are easy to compare. Of course, every state has its own laws and requirements, but when shopping for a new policy, examining an existing one, or comparing auto insurance quotes, Hawaii is much like the other states in the union. For drivers in Hawaii, auto insurance is required by law to legally operate a registered vehicle, but even if you're only paying for the state minimum coverage, there are often still savings to be had. If you've been considering a new auto insurance policy, in Hawaii insurance quotes are a valuable tool to help you on your way.
The Average Cost of Hawaii Auto Insurance
According to the National Association of Insurance Commissioners, the average cost of Hawaii auto insurance is $837 a year. This is slightly higher than the national average of $795, but certainly not as expensive as a few other states where the average cost goes over $1,000 a year. However, just because Hawaii residents don't have the highest average auto insurance costs in the nation doesn't mean that there isn't plenty of room for improvement on individual policies. By taking advantage of Hawaii auto insurance quotes, discounts, and policy flexibilities, you can often reduce your current rates significantly.
Lowering Hawaii Auto Insurance Rates By Altering Your Policy
The cost of your policy is a product of two basic elements: the amount of coverage you purchase and the relative risk you pose to the insurance company. The amount of coverage you purchase is dictated by either the state government or a lender, but if you own your vehicle outright, you may have a little flexibility to alter your existing policy. Lowering your limits, increasing your deductible, and reducing the number of incidents your policy covers are probably the most direct (though decidedly most risky) routes to reducing your auto insurance rates. Though each of these tactics can lower your yearly insurance costs, the fact each may end up costing you more out-of-pocket if you are in an accident makes these decisions worthy of serious consideration.
Hawaii Auto Insurance Discounts
Many Hawaii auto insurance providers offer discounts for making you and/or your vehicle less risky to insure. These discounts are extremely helpful in lowering your insurance costs, and unlike policy alterations, they won't end up costing you money out-of-pocket if you are in an accident. Discounts are typically available for drivers who: remain accident and claim-free for several years, take out multiple policies with the same company, install an anti-theft device, take a defensive driving course, or maintain a good credit history. Some providers may even offer discounts to young drivers who are good students. Discounts can vary from company to company and because new discounts may be put into effect at any time, it is a good idea to periodically talk to your provider about what's available.
Finding and Using Hawaii Auto Insurance Quotes
The final path to lower rates is switching insurance providers. Since different insurance companies view certain factors as more (or less) risky than other companies, the same driver may be offered very different rates from one company to the next. The best way to find out if you might purchase coverage at a significantly reduced rate is, of course, to compare the rates of competing providers. Here's where NetQuote comes in.
With NetQuote, finding auto insurance quotes is easy. Simply fill out our brief online form and let us find you quotes from insurance providers in your area. Not only are Hawaii auto insurance quotes easy to get, they're also free. The more quotes you get, the better your odds of finding the coverage you want at a more affordable price.