Want to learn how to find lower-priced Nissan Sentra insurance in Honolulu? When trying to find cheaper insurance, are you confused by the crazy number of insurance companies in Honolulu? You have such a vast assortment of companies available that it can quickly become a big hassle to find the best insurance rates for Nissan Sentra insurance in Honolulu. Everyone knows Honolulu is a great city to raise a family in, but expensive premiums for insurance makes it very hard to pay for enough insurance coverage.
Steps to buying cheaper Nissan Sentra insurance in Honolulu
If you want to save the most money, the best way to get affordable auto insurance rates in Honolulu is to start comparing prices regularly from companies in Hawaii.
Step 1: Take a few minutes and learn about how companies price auto insurance and the factors you can control to keep rates in check. Many policy risk factors that result in higher rates such as traffic citations, accidents, and your credit history can be eliminated by being financially responsible and driving safely.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of insurance providers. Compare rates now
Step 3: Compare the new rate quotes to your current policy and see if you can save money. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company to cancel your existing policy and submit any necessary down payment along with the completed application for your new policy. When you receive it, keep your new proof of insurance certificate in your vehicle’s glove compartment or console.
The most important part of shopping around is to try to use similar coverage information on each quote request and to quote with all possible companies. Doing this provides the most accurate price comparison and a complete price analysis.
It’s an obvious conclusion that car insurance companies want to keep you from comparing rates. Drivers who shop rates annually will probably switch insurance companies because the odds are good of finding a lower-priced company. A study showed that drivers who routinely compared rates saved approximately $72 a month compared to drivers who never shopped around.
If finding budget-friendly Nissan Sentra insurance is your goal, then knowing how to quote and compare cheaper coverage can make it easier to find better rates.
It’s a great practice to get comparison quotes on a regular basis since prices tend to go up over time. Even if you think you had the best deal on Nissan Sentra insurance in Honolulu a couple years back there is a good chance you can find better premium rates now. Don’t believe everything you read about Sentra insurance out there, but in just a couple of minutes you can learn the best ways to quit paying high insurance rates in Honolulu.
When price shopping your coverage, obtaining a wide range of quotes helps locate the best rates. Some smaller insurers do not give Honolulu Sentra insurance quotes over the internet, so it’s important to also get quotes from them, too.
The providers in the list below have been selected to offer price comparisons in Hawaii. If more than one company is shown, we recommend you compare several of them to find the cheapest auto insurance rates.
Insurance is not optional
Even though Honolulu Sentra insurance rates can get expensive, maintaining insurance is required in Hawaii but also provides important benefits.
First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to license the vehicle. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Nissan Sentra with a loan, almost all lenders will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may insure your Nissan at a much higher rate and make you pay for the much more expensive policy.
Third, insurance preserves not only your vehicle but also your financial assets. Insurance will also pay for hospital and medical expenses that are the result of an accident. Liability insurance also pays for attorney fees and expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. An average driver in America is overpaying more than $869 every year so compare rate quotes every year to ensure rates are inline.
Rates and information analytics
The premium information below highlights a range of prices for Nissan Sentra models. Learning a little about how policy premiums are determined can help customers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $124 | $286 | $300 | $18 | $90 | $818 | $68 |
| Sentra 2.0 S | $124 | $338 | $300 | $18 | $90 | $870 | $73 |
| Sentra 2.0 SR | $124 | $338 | $300 | $18 | $90 | $870 | $73 |
| Sentra 2.0 SL | $142 | $338 | $300 | $18 | $90 | $888 | $74 |
| Sentra SE-R | $142 | $338 | $300 | $18 | $90 | $888 | $74 |
| Sentra SE-R SPEC V | $142 | $388 | $300 | $18 | $90 | $938 | $78 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can change coverage rates considerably.
Where to set your deductibles
One frequently asked question is how high should the deductibles for physical damage be. The premium rates below can help you visualize the rate difference when you buy lower versus higher deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Sentra 2.0 S | $178 | $406 | $264 | $16 | $80 | $969 | $81 |
| Sentra 2.0 SR | $178 | $406 | $264 | $16 | $80 | $969 | $81 |
| Sentra 2.0 SL | $204 | $406 | $264 | $16 | $80 | $995 | $83 |
| Sentra SE-R | $204 | $406 | $264 | $16 | $80 | $995 | $83 |
| Sentra SE-R SPEC V | $204 | $468 | $264 | $16 | $80 | $1,057 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Sentra 2.0 S | $144 | $328 | $264 | $16 | $80 | $832 | $69 |
| Sentra 2.0 SR | $144 | $328 | $264 | $16 | $80 | $832 | $69 |
| Sentra 2.0 SL | $166 | $328 | $264 | $16 | $80 | $854 | $71 |
| Sentra SE-R | $166 | $328 | $264 | $16 | $80 | $854 | $71 |
| Sentra SE-R SPEC V | $166 | $378 | $264 | $16 | $80 | $904 | $75 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in specific Honolulu garaging location which can alter auto insurance rates significantly.
Based on the figures above, using a $250 deductible costs approximately $12 more each month or $144 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average more than 21 months between claims, you would more than likely save some money going with the higher deductible.
Gender-based car insurance premiums in Honolulu
The illustration below illustrates the difference between Nissan Sentra insurance prices for male and female drivers. The prices are based on no accidents, no driving violations, full coverage, $500 deductibles, single status, and no policy discounts are applied.
Should you buy full coverage?
The chart below visualizes the comparison of Nissan Sentra insurance costs with full coverage and liability only. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There isn’t a steadfast formula of when to eliminate full coverage, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Nissan Sentra claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after paying your policy deductible. If it’s costing in excess of $800 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where removing full coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
These discounts can lower your car insurance rates
Companies don’t necessarily list every policy discount very clearly, so we took the time to find a few of the more well known as well as the least known car insurance savings.
- Driver Safety – Completing a safe driver course could save 5% or more and make you a better driver.
- Active Military Service – Having a deployed family member could qualify you for better premium rates.
- More Vehicles More Savings – Having more than one vehicle with the same company qualifies for this discount.
- Multi-policy Discount – If you combine your auto and home policies with one company you may save up to 20% and get you the cheapest Nissan Sentra insurance in Honolulu.
- Drive Less and Save – Maintaining low annual mileage may enable drivers to earn slightly better car insurance rates than normal.
- Safe Drivers – Insureds who avoid accidents can pay as much as 50% less than less cautious drivers.
- Theft Deterrent – Cars equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.
- Good Grades Discount – Performing well in school may save you up to 25%. The discount lasts up to age 25.
- Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Allstate and Progressive permit an accident before hitting you with a surcharge so long as you are claim-free for a specific time period.
A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will definitely lower the cost of your policy.
The chart below illustrates the difference between Nissan Sentra car insurance costs with and without discounts. The data assumes a female driver, no claims or driving citations, Hawaii state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, claim-free, and marriage discounts applied.
If you would like to choose from a list of companies with the best Nissan Sentra insurance discounts in Honolulu in Hawaii, click this link.
Independent versus exclusive auto insurance agents
A small number of people would rather get advice from a local agent and that is recommended in a lot of cases A good thing about comparing rates online is that you can find cheap auto insurance rates and also buy local. Supporting neighborhood insurance agencies is important especially in Honolulu.
Upon completion of this form (opens in new window), the coverage information gets sent to participating agents in Honolulu who will give you quotes for your coverage. It simplifies rate comparisons since you won’t have to do any legwork because prices are sent to you directly. It’s the lowest rates without the usual hassles of price shopping. If you want to quote rates from a particular provider, don’t hesitate to search and find their rate quote page and submit a quote form there.
Two types of auto insurance agents
When looking for a reliable insurance agency, it’s important to understand the different types of agents from which to choose. Auto insurance agents in Honolulu can be classified as either independent or exclusive depending on the company they work for.
Independent Insurance Agents
Agents that choose to be independent are appointed with more than one company and that enables them to quote your coverage with any number of different companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier which requires no work on your part.
When comparing auto insurance rates, you definitely need to get several quotes from at least one independent agent so that you can do a thorough price comparison. Most can insure with additional companies that you may not be familiar with who may have lower rates.
The following is a list of independent agents in Honolulu that can possibly get you free auto insurance rate quotes.
- Pyramid Insurance Center Ltd
420 Waiakamilo Rd – Honolulu, HI 96817 – (808) 527-7667 – View Map - John H Connors Insurance
500 Ala Moana Blvd # 2303 – Honolulu, HI 96813 – (808) 534-7300 – View Map - Cornerstones Financial and Insurance Agency
250 Ward Ave #220 – Honolulu, HI 96814 – (808) 626-5068 – View Map
Exclusive Auto Insurance Agents
Agents that elect to be exclusive can usually just insure with one company such as Farmers Insurance or State Farm. They generally cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents receive extensive training on sales techniques which helps offset the inability to provide other markets. Drivers often use the same exclusive agent partially due to the brand legacy rather than having the cheapest rates.
Shown below are exclusive agencies in Honolulu that can give you rate quotes.
- Tina Tay – State Farm Insurance Agent
3615 Harding Ave Ste 303 – Honolulu, HI 96816 – (808) 394-5433 – View Map - Kaina Kauahi – State Farm Insurance Agent
560 N Nimitz Hwy #217f – Honolulu, HI 96817 – (808) 524-9997 – View Map - Gwenette Higa – State Farm Insurance Agent
841 Bishop St #203 – Honolulu, HI 96813 – (808) 531-9918 – View Map
Finding the right insurance agency is decision based upon more than just a low price. Before buying a policy in Honolulu, get answers to these questions.
- Can they give you a list of client referrals?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is every driver in your family covered?
- What is the agency’s Better Business Bureau rating?
- Do they get paid more for recommending certain coverages?
- How many companies do they write for?
Compare but don’t skimp
As you quote Honolulu auto insurance, it’s a bad idea to buy poor coverage just to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your objective should be to buy enough coverage at the best price and still be able to protect your assets.
Budget-friendly insurance in Honolulu is available both online as well as from independent agents in Honolulu, so you should compare both to have the best rate selection. Some insurance providers don’t offer internet price quotes and usually these smaller providers only sell through independent agencies.
We just presented many ideas to shop for Nissan Sentra insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost Honolulu auto insurance quotes. You may even be surprised to find that the most savings is with the least-expected company.
Steps to finding low-cost Nissan Sentra insurance in Honolulu
The most effective way to find more affordable auto insurance rates in Honolulu is to do an annual price comparison from different companies in Hawaii. You can compare rates by following these guidelines.
- Step 1: Gain an understanding of how auto insurance works and the measures you can take to prevent rate increases. Many rating factors that drive up the price such as traffic citations, accidents, and a poor credit score can be amended by improving your driving habits or financial responsibility.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agents can quote rates from multiple insurance companies. Compare rates
- Step 3: Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you find a lower rate and decide to switch, ensure there is no coverage lapse between policies.
- Step 4: Provide notification to your current agent or company of your intent to cancel your current car insurance policy. Submit the required down payment along with the signed application to your new company or agent. When you receive it, store the certificate of insurance with your registration paperwork.
A good tip to remember is to use the same deductibles and limits on every price quote and and to analyze as many auto insurance providers as possible. Doing this helps ensure a level playing field and the best price selection.
To learn more, link through to the following helpful articles:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Rates for Police Officers in Honolulu? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Subaru Outback in Honolulu? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Honda Pilot in Honolulu? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Company Car in Honolulu? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Low Income Drivers in Honolulu? (FAQ)
- Who Has Cheap Car Insurance Quotes for 4×4 Vehicles in Honolulu? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)