Best Honolulu Nissan GT-R Insurance

Insurance rates Nissan GT-R in HonoluluRemarkably, a study showed that almost 70% of insureds kept their policy with the same company for over three years, and roughly 40% of drivers have never compared auto insurance rates at all. Drivers in Hawaii could save about $360 a year by just comparing quotes, but they won’t spend time to find cheap insurance by shopping around.

Really, the only way to get affordable Nissan GT-R insurance in Honolulu is to regularly compare price quotes from companies in Hawaii.

  1. Take a few minutes and learn about what coverages are included in your policy and the modifications you can make to prevent expensive coverage. Many policy risk factors that cause high rates such as accidents, careless driving, and a not-so-good credit score can be amended by improving your driving habits or financial responsibility.
  2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can quote rates for a wide range of companies.
  3. Compare the new rates to your existing rates and see if there is a cheaper rate. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide proper notification to your current company to cancel your current coverage. Submit payment and a signed application for your new coverage. Once coverage is bound, put the new certificate verifying proof of insurance in your glove compartment.

One thing to remember is that you use the same coverage limits and deductibles on every quote request and and to get quotes from all possible companies. Doing this guarantees an accurate price comparison and a better comparison of the market.

The best way we recommend to compare rates for Nissan GT-R insurance in Honolulu utilizes the fact auto insurance companies have advanced systems to give rate comparisons. All you need to do is provide a little information like how your vehicles are used, if you’re married, if the car is leased, and if you have a valid license. That rating information is then sent to multiple companies and they return quotes immediately.

If you would like to compare rates now, click here and enter your zip code.

The companies shown below have been selected to offer free quotes in Hawaii. If the list has multiple companies, we recommend you compare several of them to get the best price comparison.

Premium rates and analysis

The rate information shown below showcases detailed analysis of prices for Nissan GT-R models. Having a good understanding how rate quotes are figured can help guide drivers when making smart choices when comparing insurance quotes.

Nissan GT-R Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $366 $980 $272 $16 $82 $1,716 $143
GT-R AWD 2-Dr $366 $980 $272 $16 $82 $1,716 $143
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can raise or lower prices greatly.

Physical damage deductibles: Should you raise them?

When buying car insurance, a common question is which deductibles should you choose. The rates below lay out the price difference of buying low and high comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Nissan GT-R insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $336 $714 $226 $14 $68 $1,383 $115
GT-R AWD 2-Dr $336 $714 $226 $14 $68 $1,383 $115
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Nissan GT-R insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GT-R Premium AWD 2-Dr $274 $576 $226 $14 $68 $1,158 $97
GT-R AWD 2-Dr $274 $576 $226 $14 $68 $1,158 $97
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in your specific Honolulu location which can impact auto insurance rates noticeably.

Based on the figures above, using a $250 deductible costs roughly $18 more each month or $216 a year across all Nissan GT-R models than quoting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 14 months between claim filings, you would most likely save money by selecting a higher deductible.

The chart below illustrates how your deductible choice and can raise or lower Nissan GT-R insurance costs for each different age category. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied.

Nissan GT-R full coverage rates compared to liability only

The chart below shows the difference between Nissan GT-R auto insurance rates with and without full coverage. The premiums assume no violations or accidents, $500 deductibles, single status, and no additional discounts are factored in.

When to buy liability coverage only

There is no specific rule of when to eliminate physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s pretend your Nissan GT-R book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your policy deductible. If you are currently paying more than $800 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some cases where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Local neighborhood insurance agents

Certain consumers just want to talk to a local agent and that is just fine! One of the benefits of comparing insurance online is that you can obtain better rates but still work with a licensed agent.

Honolulu insurance agentsFor easy comparison, once you complete this simple form, the quote information is transmitted to local insurance agents in Honolulu who want to provide quotes for your coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent directly to you. You’ll get the best rates and an insurance agent to talk to. In the event you want to compare prices from one company in particular, you just need to go to their quote page and complete a quote there.

Finding the right provider needs to be determined by more than just a cheap price. Agents should be asked these questions: