UPDATED: Mar 13, 2020
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Cheap Car Insurance in Kailua, HI
Are you looking for cheap auto insurance in Kailua, HI? At AutoInsuranceEZ.com, you can get the very best insurance rates in your area. To find free car insurance quotes from the best providers today, key your zip code into the quote box on this page.
Kailua is a residential suburb located just to the northeast of Honolulu. It has a small but popular commercial district which shoppers flock to on a regular basis, and Kailua Beach is perhaps one of the most popular tourist destinations on the Island of Honolulu. Its name means “two rivers”.
- Fun fact: Did you know that Kailua is #15 on the list of “Top 101 cities with largest percentage of females in occupations: Health diagnosing and treating practitioners and other technical occupations: (population 5,000+)”? Learn more about Kailua, Hawaii.
Auto Insurance Coverage Requirements in Hawaii
Getting insured in Hawaii is fairly easy, provided you purchase at least the following coverage:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||20,000/40,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||250 deductible|
|Comprehensive||Not required||1,000 deductible|
The less money your vehicle is worth, the less insurance coverage you realistically need to buy. After all, are you going to buy Comprehensive or Collision coverage for an old, used clunker? Probably not. But if you’re driving a brand new, expensive vehicle, you’ll probably want more coverage.
Typical Hawaii drivers are paying around $114 per month for their automotive insurance policies right now. But you don’t have to be lumped in with the average driver. As a matter of fact, Kailua residents can get insured for as little as $68/mo*. We’ll show you how.
It’s hard to determine why rates vary so wildly between some providers in Hawaii. The state has different insurance laws from the rest of the continental US, which can play a factor. There may also be significant differences in the quality of customer service or claims filing. Remember, a low rate isn’t everything. You have to consider the company as a whole.
Auto insurance providers contemplate numerous elements when establishing insurance quotes, including gender, occupation, miles driven each year, the color of your automobile, and theft protection devices. Also keep in mind that premiums differ from provider to provider. To make sure you’re still receiving the most affordable rate, compare cheap Kailua auto insurance quotes online.
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Major Car Insurance Factors in Kailua
There is a variety of many things which can factor into the rate quotes you receive. Even though a portion of these factors aren’t really something you can do something about, a few of them are elements which you can change for the better. Here are some components that might alter your car insurance premium:
Your Zip Code
The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Kailua is 11,975 and the median household income is $54,273.
If accidents are high in your area, it may inflate your insurance premiums due to the increased accident risk. Based on the population, accidents in Kailua are fairly low. But you may be able to lower your premiums with a safe driver discount.
Auto Thefts in Kailua
Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. As far as auto theft goes, the #1 stolen car in Hawaii is the Honda Civic. If you drive a car which you feel is at risk for theft, consider adding Comprehensive coverage to your policy.
Your Credit Score
Hawaii is one of three states where it is illegal for an insurance company to base your monthly premium on your credit score. For people with poor credit, this means you are paying less each month than the national average. However, companies sometimes raise rates for everyone to offset the potential profit loss.
Older drivers are charged significantly lower rates than teenagers and young adults in their early 20’s. The extra driving experience which older adults possess helps them get into fewer accidents, and they are consequently rewarded with lower rates. If you are a young driver, try applying for a Good Student or a driver’s education discount to lower your rate.
Your Driving Record
Are you a generally safe driver who has to pay higher rates for insurance because you have a few minor infractions on your driving record? Contact your agent today and ask about “Accident Forgiveness”. It’s a new trend in the industry which could save motorists like yourself a good deal of money each month.
If you’re going to buy a top of the line luxury vehicle, you’re going to want a top of the line insurance plan to protect it. Unfortunately, such plans are not cheap. But if you can afford a luxury vehicle, odds are that the necessary insurance coverage isn’t out of reach for you, either.
Minor Car Insurance Factors in Kailua
Before you make any major decisions about your insurance policy, be sure to consider these minor factors as well:
Your Marital Status
Whether you’ve been married for days, months, or years, if you aren’t bundling your auto policy with your spouse, you should be! Most insurers offer some serious discounts for married couples who bundle together.
Most insurance providers see no statistically significant difference between male and female drivers. And because of this, they are slowly phasing out the practice of charging one gender higher rates than the other. If the price varies at all, it is usually by no more than a few dollars each month.
Your Driving Distance to Work
Because Kailua is a residential suburb of much larger neighboring cities, residents can expect an average commute of 24-30 minutes while driving to work each day. Approximately 70% of workers prefer to drive their own car, while another 9-16% carpool.
Want to save money on gas, vehicle maintenance, and monthly insurance premiums? Well, by limiting your yearly mileage, you can accomplish two out of three of those goals. Unfortunately, driving less each year only lowers your premiums by about 1-2%. Registering your vehicle for business use, however, can raise your premiums by 12% or more.
Your Coverage and Deductibles
Most drivers don’t know what a significant difference their deductible makes when it comes to their monthly premiums. Raising your deductible can either drastically slash your rates, or make room for more coverage for the same price you’re paying now. Just make sure you budget for that expensive deductible – just in case.
Education in Kailua, HI
Nearly 1/3 of drivers in Kailua have completed their high school education (or have earned a similar diploma). To a lesser extent, many drivers are working on obtaining a bachelor’s degree. They must have found out that going for a higher education can save them money on their auto insurance rates. After all, it’s even better than having a high salary, or a special job (as far as car insurance discounts go).
There might not be many choices for higher learning in Kailua, but that doesn’t mean you shouldn’t consider improving upon your education. Honolulu, the largest city in the state of Hawaii, is less than 20 miles away and is host to dozens of public and private institutions.
Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.
How We Conducted the Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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