Cheap Auto Insurance Quotes for Drivers with Accidents in Hawaii

Finding reliable, cost effective auto insurance is not the easiest thing to do, and finding out which insurers offer the cheapest car insurance rates for drivers with accidents requires even more work. Insurance premiums will be a little bit more expensive than the state average, with the higher price attributed to the added risk related to offering insurance for drivers with at-fault accidents, but economical coverage should be achievable if you shop around. Every insurance company uses a little different formula for establishing rates, so let’s begin by examining the overall cheapest car insurance companies in Hawaii.

It’s important that readers know that Hawaii car insurance rates are based on many factors which can substantially change the cost of having a policy. Price variation is why consumers need to take the time to shop around with many companies when trying to find the most economical car insurance quotes for drivers with accidents. Insurance prices are made up of many risk factors and can decrease or increase without notice, so the best price when you bought your policy may now be costing you a lot of money.

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USAA may offer some of the lowest car insurance rates in Hawaii at around $926 per year. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the most economical Hawaii car insurance companies.

In the above example, if you currently have a policy with Progressive and switched to State Farm, you might achieve yearly savings of in the neighborhood of $500. Insureds with Allstate could save as much as $888 a year, and First of Hawaii policyholders might lower prices by up to $911 a year.

To find cheap car insurance for drivers with accidents in Hawaii for your vehicle, click here to begin a quote or visit several of the following companies.

It’s important to note that these policy prices are averaged across all drivers and vehicles in Hawaii and and are not calculated with a price increase for drivers with accidents. So the insurer that fits your needs best may not even be included in the list of companies shown earlier. That illustrates why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The vehicle model requiring insurance is probably the largest consideration when quoting low-cost coverage for drivers with accidents. Vehicles with limited top-end speed, good safety features, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models. The data below shows coverage costs for the cheaper vehicles to buy insurance for.

Data variables include married male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rates do not factor in vehicle location which can decrease or increase price quotes substantially.

Looking at the data, you can assume that makes and models like the Ford Escape, Honda CR-V, and Chevrolet Traverse should be a few of the cheapest vehicles to insure for drivers with at-fault accidents. The price of auto insurance will be more costly just due to the fact that there is more exposure for drivers with accidents, but generally speaking those particular models will have the cheapest auto insurance rates possible.

When shopping for the cheapest auto insurance for drivers with at-fault accidents, one of the many criteria that determine insurance cost is where you live in Hawaii. Areas with more people like Hilo, Waipahu, and Mililani Mauka will most likely have higher rates, whereas more rural areas benefit from lower coverage costs.

The following table displays the most costly cities in Hawaii for drivers with accidents to buy car insurance in.

Table data uses comparative as specific Hawaii garaging address can modify premiums significantly.

Discounts on cheap car insurance for drivers with accidents in Hawaii

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-drivers-accidents-hi.jpg" alt="Cheaper Hawaii car insurance for drivers with at-fault accidents” />Car insurance companies that offer coverage for drivers with accidents may provide special discounts that can lower rates by 30% or more if you are eligible. A list of companies and some of the premium reductions they offer are outlined below.

The information below shows the comparison of car insurance rates with and without policy discounts. The rate quotes are based on a female driver, two at-fault accidents and no violations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, paid-in-full, continuous coverage, passive restraint, multiple vehicle, and anti-theft discounts applied. When drivers qualify for the discounts, the the average amount saved on car insurance for drivers with accidents is % or $.

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