Save Money on Dodge Nitro Insurance in Honolulu

We don’t have to point out that fact that auto insurance companies don’t want you to compare rates. People who compare price quotes are very likely to buy a different policy because there is a great chance of finding a more affordable policy premium. A recent study showed that drivers who routinely shopped around saved $3,400 over four years as compared to drivers who don’t regularly compare prices.

If finding discount rates on Dodge Nitro insurance is your objective, then having some insight into how to quote prices and compare insurance coverage can make it easier for you to save money.

Insurance quote for Dodge Nitro in HonoluluIt takes a few minutes, but the best way to find low-cost prices for Dodge Nitro insurance is to compare quotes once a year from companies who can sell car insurance in Honolulu. Price quotes can be compared by following these steps.

One thing to remember is that you’ll want to compare the same deductibles and limits on each quote and and to get rate quotes from as many companies as possible. This enables a level playing field and a complete rate analysis.

Low Cost car insurance in Honolulu, HI

The companies in the list below offer price comparisons in Honolulu, HI. If more than one company is shown, we recommend you compare several of them in order to find the most competitive rates.

Coverage analysis

The rate table displayed next covers different coverage costs for Dodge Nitro models. Being more informed about how insurance rates are calculated can help you make decisions on which insurance to purchase.

Dodge Nitro Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $138 $240 $288 $16 $86 $768 $64
Nitro SE 2WD $138 $240 $288 $16 $86 $768 $64
Nitro SE 4WD $160 $240 $288 $16 $86 $790 $66
Nitro SXT 2WD $160 $240 $288 $16 $86 $790 $66
Nitro Heat 4WD $160 $240 $288 $16 $86 $790 $66
Nitro Detonator 2WD $160 $292 $288 $16 $86 $842 $70
Nitro SXT 4WD $160 $292 $288 $16 $86 $842 $70
Nitro Shock 2WD $160 $292 $288 $16 $86 $842 $70
Nitro Detonator 4WD $160 $292 $288 $16 $86 $842 $70
Nitro Shock 4WD $180 $292 $288 $16 $86 $862 $72
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific garaging location which can impact coverage prices considerably.

Analysis of deductible levels

When buying insurance, a common question is how high or low should comp and collision deductibles be. The tables below approximate how much more you’ll pay between low and high insurance deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Dodge Nitro insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $198 $338 $300 $18 $90 $969 $81
Nitro SE 2WD $198 $338 $300 $18 $90 $969 $81
Nitro SE 4WD $228 $338 $300 $18 $90 $999 $83
Nitro SXT 2WD $228 $338 $300 $18 $90 $999 $83
Nitro Heat 4WD $228 $338 $300 $18 $90 $999 $83
Nitro Detonator 2WD $228 $412 $300 $18 $90 $1,073 $89
Nitro SXT 4WD $228 $412 $300 $18 $90 $1,073 $89
Nitro Shock 2WD $228 $412 $300 $18 $90 $1,073 $89
Nitro Detonator 4WD $228 $412 $300 $18 $90 $1,073 $89
Nitro Shock 4WD $258 $412 $300 $18 $90 $1,103 $92
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Dodge Nitro insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $144 $228 $300 $18 $90 $780 $65
Nitro SE 2WD $144 $228 $300 $18 $90 $780 $65
Nitro SE 4WD $166 $228 $300 $18 $90 $802 $67
Nitro SXT 2WD $166 $228 $300 $18 $90 $802 $67
Nitro Heat 4WD $166 $228 $300 $18 $90 $802 $67
Nitro Detonator 2WD $166 $278 $300 $18 $90 $852 $71
Nitro SXT 4WD $166 $278 $300 $18 $90 $852 $71
Nitro Shock 2WD $166 $278 $300 $18 $90 $852 $71
Nitro Detonator 4WD $166 $278 $300 $18 $90 $852 $71
Nitro Shock 4WD $188 $278 $300 $18 $90 $874 $73
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific zip code location which can impact insurance rates considerably.

Based on the data above, we can derive that using a $100 deductible costs roughly $17 more each month or $204 annually than buying the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 24 months between claims, you would probably come out ahead by selecting a higher deductible.

Reckless driving habits raise Honolulu insurance rates

The chart below shows how traffic citations and fender-benders can drive up Dodge Nitro car insurance rates for different age groups. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Gender-based insurance rates

The information below compares Dodge Nitro premium costs for male and female drivers. The information is based on no accidents, no driving violations, comp and collision included, $100 deductibles, drivers are single, and no policy discounts are applied.

Difference between liability only and full coverage rates

The illustration below visualizes the comparison of Dodge Nitro insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. The premiums assume no claims or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.

Are you wasting money on full coverage?

There isn’t a written rule for dropping physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Dodge Nitro claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

These discounts can lower your car insurance quotes

Companies don’t always list the entire discount list very well, so the next list breaks down a few of the more well known and also the lesser-known discounts you could be receiving when you buy Honolulu auto insurance online. If you do not check that you are getting every discount you qualify for, you could be saving more on your car insurance.Car insurance discounts

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

The illustration below visualizes the comparison of Dodge Nitro yearly insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, a clean driving record, no claims, 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 second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-car, and multi-policy discounts applied.

Companies and some of their more popular discounts can be found below.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in every state. If you would like to choose from a list of companies that offer some of these discounts in Hawaii, click here.

How Your Nitro Insurance Costs are Determined

An important part of buying insurance is that you know some of the things that go into determining your premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can help you get lower auto insurance prices. Many things are part of the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although others are less apparent like where you live and annual miles driven.

Insurance agents can find coverage gaps

Many people just want to talk to a local agent and that is OK! Good agents are highly skilled in risk management and help in the event of a claim. One of the best bonuses of comparing insurance prices online is that you can find the lowest rates and still buy from a local agent.

Insurance agency in HonoluluUpon completion of this short form, the coverage information is instantly submitted to agents in your area who want to provide quotes to get your business. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered straight to your inbox. In the event you want to compare rates from a specific insurance company, don’t hesitate to navigate to their website and give them your coverage information.

Choosing the best provider requires you to look at more than just the quoted price. Here are some questions to ask:

What types of car insurance agents are in Honolulu?

If you want a good insurance agency, you must know there are a couple types of agencies and how they can quote your rates. Agencies in Honolulu can be categorized as either independent or exclusive depending on the company they work for. Both types of agents can write car insurance policies, but we need to point out the difference in the companies they write for since it can affect the kind of agent you use.

Exclusive Insurance Agents

Exclusive agencies have only one company to place business with like State Farm, Allstate, and Farm Bureau. They generally cannot give you multiple price quotes so keep that in mind. Exclusive insurance agents are trained well on their company’s products and that can be a competitive advantage.

Listed below are Honolulu exclusive agencies willing to provide price quotes.

Scott Saito – State Farm Insurance Agent
1150 S King St #901dHonolulu, HI 96814(808) 946-8464View Map

1215 Hunakai St #203Honolulu, HI 96816(808) 737-5662View Map

1130 N Nimitz Hwy Rm A260Honolulu, HI 96817(808) 664-0970View Map

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Independent Car Insurance Agents

Agents that choose to be independent can sell policies from many different companies and that enables them to quote your coverage with any number of different companies and get you the best rates possible. If your premiums go up, the agent simply finds a different carrier and you can keep the same agent. If you are trying to find cheaper rates, you should always include rate quotes from several independent insurance agents in order to have the best price comparison.

Listed below are independent insurance agents in Honolulu willing to provide comparison quotes.

1132 Bishop St #1600Honolulu, HI 96813(808) 533-8728View Map

819 S Beretania StHonolulu, HI 96813(808) 539-1600View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map

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Hawaii car insurance companies

Selecting the top company is hard considering how many different companies sell coverage in Hawaii. The company rank data displayed below can help you select which insurers to look at comparing prices from.

Best Car Insurance Companies in Hawaii
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Compare. Compare. Compare.

Some auto insurance companies may not provide rate quotes online and most of the time these regional carriers provide coverage only through independent agents. Lower-priced Dodge Nitro insurance in Honolulu is available both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.

We just showed you many ideas to compare Dodge Nitro insurance car insurance rates in Honolulu. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the best price on auto insurance is with an unexpected company. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate or State Farm.

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