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When you picture Hawaii cities, you don’t picture traffic, but Honolulu commuters spend an average of 45 days a year in traffic delays. There are over 400,000 commuters on the road during peak hours each day. This makes it all the more important to research the available options for cheap insurance Honolulu insurance agents can offer.

Insurance companies base their rates on a variety of data, including crime statistics, traffic patterns, and population density. This also means that rates can vary a great deal within the city. For example, living in Diamond Head or Downtown will mean cheaper rates for some coverages than living in Waianae.

The good news is that auto thefts are extremely low. Tourists should be more careful than residents, as they are typically at a higher risk of being targeted for theft, but this doesn’t affect residents’ insurance rates much.

How To Save Money On Your Car Insurance

The best way to be sure you are paying the lowest rates for your coverage is to shop for as many comparison quotes as you can. With our online tools it’s as easy as following these steps:

  1. Enter your zip code below
  2. Fill out the basic driver page
  3. Provide your vehicle information
  4. Let us know what coverage you are looking for

This information will be submitted to multiple carriers, both national and local Honolulu agents. You will be able to see instant quotes for a variety of coverage options and compare them to your current rates. Because insurance companies are constantly reviewing their rates, the premium you pay today may change tomorrow. That’s why we recommend re-shopping your policy at least bi-annually.