Car Insurance Quotes for a Nissan cube in Honolulu

Regrettably, most car insurance buyers have been with the same company for four years or more, and almost 40% of drivers have never shopped around. Most drivers in Hawaii can save roughly 40% each year by just comparing quotes, but they underestimate how much money they would save if they moved their coverage to a different company.

Insurance rates Nissan cube in HonoluluIf you want to save money, the best way to find affordable quotes for Nissan cube insurance is to regularly compare quotes from providers who can sell car insurance in Honolulu. Rates can be compared by following these guidelines.

  1. Try to learn about how your policy works and the modifications you can make to keep rates in check. Many rating criteria that are responsible for high rates such as inattentive driving and a negative credit rating can be rectified by making lifestyle changes or driving safer.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of companies.
  3. Compare the new rate quotes to your existing rates and determine if there is any savings. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Tell your current agent or company of your intention to cancel your current auto insurance policy and submit the application along with any required down payment to the new company. As soon as you can, place your new certificate of insurance in an easily accessible location.

The key aspect of shopping around is to try to compare the same deductibles and limits on every quote request and and to analyze as many auto insurance providers as possible. Doing this helps ensure the most accurate price comparison and the best price quote selection.

Buying the cheapest car insurance in Honolulu is easy if you know what you’re doing. If you currently have car insurance, you will surely be able to lower your rates using these methods. Drivers just need to use the proper methods to get comparison quotes online.

Auto insurance providers offering low-cost rates in Hawaii

The companies shown below offer comparison quotes in Honolulu, HI. If several companies are displayed, we suggest you compare several of them in order to get a fair rate comparison.

Nissan cube coverage analysis

The coverage table displayed below covers different insurance prices for Nissan cube models. Having insight into how prices are formulated can benefit drivers when making smart choices when selecting a coverage provider.


Nissan cube Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $174 $326 $320 $18 $96 $934 $78
Cube S 2WD $200 $326 $320 $18 $96 $960 $80
Cube SL 2WD $200 $396 $320 $18 $96 $1,030 $86
Cube Krom 2WD $226 $468 $320 $18 $96 $1,128 $94
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in Honolulu location which can impact premiums greatly.

Higher deductibles lower rates

The hardest decision when buying coverage is where to set your physical damage deductibles. The data tables below help summarize how much more you’ll pay between high and low insurance deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.


Nissan cube insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $198 $338 $264 $16 $80 $921 $77
Cube S 2WD $228 $338 $264 $16 $80 $951 $79
Cube SL 2WD $228 $412 $264 $16 $80 $1,025 $85
Cube Krom 2WD $258 $484 $264 $16 $80 $1,127 $94
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Nissan cube insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cube 2WD $144 $228 $264 $16 $80 $732 $61
Cube S 2WD $166 $228 $264 $16 $80 $754 $63
Cube SL 2WD $166 $278 $264 $16 $80 $804 $67
Cube Krom 2WD $188 $328 $264 $16 $80 $876 $73
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, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in Honolulu location which can impact coverage prices greatly.

Based on the figures above, using a $100 deductible would cost the average driver about $18 more each month or $216 every year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 22 months between claim filings, you would more than likely save some money by selecting a higher deductible.

The information below illustrates how choosing a deductible and can change Nissan cube annual premium costs for each age group. The data is based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Violations and accidents raise rates

The chart below shows how traffic citations and fender-benders can affect Nissan cube car insurance rates for each different age category. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Nissan cube insurance rates: Men versus women

The diagram below shows the difference between Nissan cube yearly insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied.

Save with these six discounts

Auto insurance is easily one of your largest bills, but you might already qualify for some discounts to help bring down the price. Some of these discounts will be visible at the time you complete a quote, but once in a while a discount must be specifically requested prior to getting the savings.Discount auto insurance

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. Even though it appears adding up those discounts means a free policy, it’s just not the way it works.

The information below shows the comparison of Nissan cube auto insurance rates with and without discounts applied to the policy rates. The information is based on a female driver, no tickets, no at-fault accidents, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, homeowner, safe-driver, and claim-free discounts applied.

If you would like to view providers that offer some of these discounts in Hawaii, click here to view.

Can’t I compare rates from local Honolulu auto insurance agents?

Many drivers would rather go talk to an agent. Experienced insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of price shopping on the web is that you can find better rates but also keep your business local.

By using this short form, the quote information is transmitted to local insurance agents in Honolulu who will give you quotes for your car insurance coverage. You don’t have to contact an agency since price quotes are sent to you instantly. If you have a need to compare rates from a specific insurance company, don’t hesitate to search and find their rate quote page and submit a quote form there.

Picking an provider needs to be determined by more than just a low price. Here are some questions you might want to ask.

If you prefer to buy car insurance from a local Honolulu insurance agent, you need to know there are two different agency structures and how they work. Car insurance agents in Honolulu can either be independent agents or exclusive agents depending on their employer. Either type can properly insure your vehicles, but it’s a good idea to understand why they differ since it can affect the selection process.

Exclusive Car Insurance Agencies

Exclusive agents work for only one company and examples are State Farm, AAA, and Liberty Mutual. These agents are not able to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are trained well in insurance sales which helps them compete with independent agents. Consumers often buy from exclusive agents primarily because of the prominence of the brand and solid financial strength.

Listed below is a list of exclusive agents in Honolulu that can give you comparison quotes.

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Independent Agencies or Brokers

Independent insurance agents do not have single company limitations and that is an advantage because they can write policies with many different companies enabling the ability to shop coverage around. If your premiums go up, they simply move your policy to a different company and you don’t have to do anything. When searching for an agent, you will want to get quotes from a couple of independent agencies in order to have the best price comparison. A lot of them also have access to mutual insurance companies that many times have cheaper rates.

Below is a short list of independent insurance agencies in Honolulu that can give you price quote information.

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Upon receiving good feedback and a good coverage price, chances are good that you have found a car insurance agent that is a good match to properly insure your vehicles.

When should I discuss my situation with an agent?

When quoting and choosing coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is unique so your insurance needs to address that.Higher deductibles save money
For instance, these questions may help highlight if you will benefit from professional help.

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance policy coverages for a Nissan cube

Learning about specific coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Liability coverages – This coverage will cover injuries or damage you cause to a person or their property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 20/40/10 that translate to $20,000 bodily injury coverage, a total of $40,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.

Liability coverage protects against things such as attorney fees, emergency aid and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford. Hawaii requires minimum liability limits of 20/40/10 but you should think about purchasing better liability coverage.

The chart below shows why low liability limits may not provide you with enough coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills for things like EMT expenses, pain medications, surgery, hospital visits and funeral costs. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many Hawaii drivers carry very low liability coverage limits (which is 20/40/10), their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage – Collision coverage pays for damage to your cube caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible on your cube to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, damage from a tornado or hurricane, damage from flooding and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Persistent drivers can save

Budget-conscious Nissan cube insurance can be sourced online and with local Honolulu insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide rate quotes online and these small, regional companies prefer to sell through independent agents.

When getting Honolulu auto insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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