Who Has the Cheapest Auto Insurance Quotes for Veterans in Hawaii?

The make and model of vehicle driven is one of the main factors that determines the availablility of the cheapest car insurance for veterans in Hawaii. Vehicles with lower performance, modern passenger safety features, or low incidents of liability claims will cost much less to insure than higher performance models. The list below estimates coverage rates for a selection of the most cost-effective vehicles to buy insurance for.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in zip code location which can influence insurance rates substantially.

Looking at the numbers, you can see that models like the Honda CR-V, Ford Escape, Chevrolet Traverse, and Honda Civic are most likely to be a few of the less-costly vehicles to insure for veterans.

Locating affordable auto insurance is not always easy, and determining which company quotes the most affordable insurance rates for veterans may require even more diligence. Each insurance company has a proprietary method for determining prices, so let’s rank the most affordable insurance companies in Hawaii.

It’s important to know that Hawaii insurance rates are impacted by many factors that may substantially change the price you pay for coverage. This price variability is why drivers need to shop around with many companies when trying to get the most affordable auto insurance rates for veterans. Auto insurance prices are determined by many different factors and change frequently, so the most affordable company the last time you compared rates may now cost much more than other companies.

Cheapest Insurance Rates for Vets

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USAA has some of the best car insurance rates in Hawaii at around $926 a year. State Farm, GEICO, Liberty Mutual, and Progressive are also some of the more affordable Hawaii car insurance companies.

As the example above demonstrates, if you are a policyholder with Liberty Mutual and switched to State Farm, you might realize an annual premium reduction of roughly $340. Customers with Progressive could save as much as $467 a year, and Allstate insureds might reduce rates by $797 a year.

To find the cheapest car insurance for veterans in Hawaii for your vehicle, click here to start a quote or quote prices from the following companies.

Bear in mind that those prices are averages across all insureds and vehicles and and are not figured with a price discount for veterans. So the insurer that can offer you the best rate may not even be in the list above. That is why you need to quote rates from as many companies as possible using your own individual information.

For veterans, one of the big criteria that is looked at to help calculate a rate quote is where you call home in Hawaii. Larger areas like Hilo, Royal Kunia, and Mililani Mauka are more likely to have higher rates, whereas areas with less crime or weather claims tend to receive cheaper rates.

The illustration below rates the most expensive cities in Hawaii for veterans to purchase car insurance in.

Rate information is estimated as the specific area where the vehicle is garaged can alter price quotes considerably.

Discount Hawaii auto insurance

Insurance companies that offer the cheapest car insurance for veterans in Hawaii could also offer policy discounts that could potentially reduce rates by 30% or more if you meet eligibility requirements. A list of companies and their possible discounts are outlined below.

The information below illustrates the comparison of car insurance rates with and without discounts applied to the policy premium. Data assumes a male driver, no violations or claims, Hawaii state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, passive restraint, vehicle safety, safe-driver, homeowner, and accident-free discounts applied. When discounts are factored in, the average savings per year on insurance for veterans is % or $.

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Impact of violations and accidents on rates in Hawaii

The best way to score cheap insurance prices in Hawaii for veterans is to be an attentive driver and have a clean driving record. The illustration below demonstrates how traffic citations and at-fault fender-benders can raise auto insurance costs for each age group. The data is based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2125,2527,4087],[‘Age 30’, 1123,1525,3087],[‘Age 40’, 1097,1497,3061],[‘Age 50’, 1005,1405,2963],[‘Age 60’, 975,1373,2933],[‘Age 70’, 1195,1595,3157]]);var options = {title: ‘Effect of Tickets and Claims on Hawaii Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Hawaii’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of a car insurance policy in Hawaii per year with a clean driving record and no accidents is $1,253. Factor in two speeding tickets and the average cost swells to $1,654, an increase of $400 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of insurance for veterans jumps again to an average of $3,215. That’s an increase of $1,961, or $163 per month, just for not keeping your driving record clean!

Who has the cheapest insurance quotes for veterans?

There are many ways to quote insurance rates in Hawaii, but the most frequently used are from a non-exclusive or independent agent, a captive (or exclusive) agent like Liberty Mutual or Allstate, or from a direct company like Geico. Each way is similar, but buyers should know the differences in how they provide price quotes.

Independent agencies work for many companies and can provide price quotes from each one. These agents have the option to provide multiple price quotes, which may provide you with a better chance of finding cheaper coverage. If premiums increase, your policy can be moved without having to get a different agent.

Exclusive agencies are only able to quote your policy with one insurance company, two of the more popular are State Farm and Allstate agents. Exclusive agencies are unable to compare other company’s rates, so if rates are not competitive, they cannot shop around.

If you want to buy insurance direct, you bypass the middleman (the agent) and instead buy from a direct company like Esurance. Buying insurance direct is good for people who do not have a need for a risk management assessment and have some degree of understanding of how insurance works.

So which way is best for finding the cheapest car insurance for veterans in Hawaii? Most people assume that buying direct saves money since it doesn’t require paying agent commissions, but that does not always hold true. We’d also like to say an independent agency results in the best rates due to having more companies to select from, but that is not accurate either. In many cases, exclusive agents may have very competitive prices that other companies cannot beat.

Since insurance companies use so many rating factors, really the only way to make sure you’re not overpaying for insurance is to get quotes and compare. Put in the effort to get quotes from all three to get an idea of which is cheapest. For a list of companies offering online discounts in Hawaii, click here to view.

How to find economical auto insurance for veterans

The list below summarizes some of the recommended penny-pinching suggestions that can help Hawaii drivers locate more affordable auto insurance.

• Good credit can help you save money
• Do not file small claims
• Avoid preventable accidents
• Bundle home and auto and earn a discount
• Increase deductibles to save money
• Serious violations like DUI or reckless driving can increase rates dramatically
• Compare rates and switch if you can find a better deal

That last idea is very critical, as was discussed in this write-up. Insurance prices in Hawaii fluctuate constantly, so you should be ready to switch to a new company if a cheaper price is available. Having brand loyalty is commendable, but it’s not a good idea if your bullheadedness ends up costing you major coinage every year. In just a few minutes you could compare prices and find cheaper auto insurance for veterans.