Cheapest Car Insurance After a Speeding Ticket in Hawaii

It’s hard to avoid all the ads from auto insurance companies like GEICO and Nationwide claiming dirt cheap rates. So you just need to pick the company with the cutest commercial, right?

It’s just not that easy, however, as there are a whole bunch of unknown elements such as tickets or driving violations, if you are a homeowner, and how well you maintain your credit, that all impact the cost of your policy. This article will discuss the things that cause high insurance rates and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance in Hawaii.

When shopping for the cheapest car insurance after a few driving violations, one of the many criteria that determine rate quotes is your zip code in Hawaii. Areas that are densely populated or have higher claim frequency like Hilo, Makakilo, and Pearl City tend to have more expensive car insurance rates, whereas less populated areas profit from lower rates.

The table below sorts the higher priced cities in Hawaii after a speeding ticket to purchase a policy in.

Rate information is approximated as the vehicle garaging location can lower or raise coverage rates considerably.

Deciding which company offers the most affordable car insurance rates after a speeding ticket may require a bit more effort than just comparing rates from one or two companies. Each company uses a little different formula to establish rates, so we’ll take a look at the most budget-friendly car insurance companies in Hawaii.

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USAA generally has some of the best car insurance rates in Hawaii at around $964 annually. State Farm, GEICO, Liberty Mutual, and Progressive also are some of the cheapest Hawaii auto insurance companies.

As the rates illustrate above, if you are insured with Progressive and switched to State Farm, you might see a yearly price reduction of in the neighborhood of $548. Customers with First of Hawaii might save as much as $871 a year, and Allstate customers might see rate reductions of $888 a year.

To find the cheapest car insurance after a speeding ticket in Hawaii for your vehicle, click here to start your free quote or visit several of the following companies.

Be aware that those premium estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a price decrease after a speeding ticket. So the company that is most affordable for your situation may not even be in the above rate chart. That helps illustrate why you need to get quotes using your own driver information and specific vehicle type.

How to get discounts on Hawaii auto insurance rates

Insurers that offer the cheapest car insurance after a speeding ticket in Hawaii may provide price discounts that could potentially reduce rates by 25% or more if you qualify. A few of the larger companies and a summarized list of policyholder discounts can be found below.

• Progressive includes discounts for online quote discount, online signing, multi-policy, continuous coverage, and good student.
• Farmers Insurance may include discounts for bundle discounts, teen driver, youthful driver, multi-car, business and professional, pay in full, and alternative fuel.
• Farm Bureau offers discounts for multi-policy, good student, driver training, multi-vehicle, renewal discount, 55 and retired, and safe driver.
• State Farm offers premium reductions for multiple autos, good student, defensive driving training, good driver, and driver’s education.
• GEICO offers discounts including five-year accident-free, anti-lock brakes, membership and employees, federal employee, daytime running lights, anti-theft, and air bags.
• SAFECO policyholders can earn discounts including anti-theft, accident prevention training, multi-car, anti-lock brakes, teen safety rewards, and teen safe driver.
• Liberty Mutual may offer discounts for new vehicle discount, newly retired, safety features, hybrid vehicle, and multi-car.

The information below illustrates the difference between insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, no accidents and three citations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, multiple policy, continuous coverage, passive restraint, anti-theft, and vehicle safety discounts applied. When discounts are factored in, the average amount saved each year on car insurance after a speeding ticket is 28% or $617.

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How to find cheaper insurance after a speeding ticket

Here are some thrifty ideas that can help you quote the cheapest auto insurance.

• Older vehicles may not need full coverage
• Maintain a safe distance and avoid accidents
• Drive safe vehicles
• Save money by obeying traffic laws and keeping a clean driving record
• Higher comprehensive and collision coverage deductibles will save money
• Drivers with good credit often pay less
• Shop around once a year for cheaper rates

The last idea is particularly crucial, as was noted in this write-up. Coverage rates change frequently, so you should be ready to change insurance companies if a cheaper rate is available.

Having a favorite company is great, but is isn’t recommended if that devotedness results in you overpaying thousands of dollars over the life of your policy. In less than five minutes you could shop around and find cheaper car insurance after a speeding ticket.

Who has the cheapest insurance quotes after a few driving violations?

Thanks to the internet, there are a lot of ways to buy car insurance in Hawaii, but the most common are through an exclusive insurance agent such as State Farm or Allstate, an independent insurance agent, or buying direct from a company like Geico or Progressive. You can use whichever method you prefer, but car insurance shoppers should know the differences in how they give price quotes.

Independent insurance agents have contracts with multiple insurance companies and can compare rates with all of them. These types of agents do not write with just one company and can provide multiple price quotes, which can give you the best chance of finding a lower price. If a cheaper price is found, your policy is moved internally which makes it simple for you.

A captive or exclusive agent is only able to place business with one company, for example a State Farm or Allstate agent. These agents are not able to compare rates from other companies, so you will not be able to compare their rates to other companies.

Direct car insurance buyers do not use either of the other two types of agents and instead shop from a direct company like Esurance. This car insurance option may be a decent choice families who do not have a complex risk profile and have a good understanding of what coverage options they need.

So which of those three methods works best to buy the cheapest car insurance after a speeding ticket in Hawaii? We would first guess that buying from a direct company yields the cheapest rates because you bypass the middleman, but that generally is not the case. A valid argument could also be made that using an independent agent results in the best rates since they can quote with many companies, but that assumption is also not accurate. For some people, the exclusive agents have really good rates that cannot be beaten by either independent or direct companies.

Since car insurance rates vary so much, really the only way to get the lowest rate is to compare, compare, and compare some more. To cover all the bases, get price quotes all three ways to have the best rate selection. For a list of companies with some of the cheapest Hawaii car insurance rates, click here to view.