Affordable Insurance for a Nissan 370Z in Honolulu

Amazingly, almost 70% of drivers kept their policy with the same company for at least the last four years, and nearly 40% of drivers have never compared rate quotes at all. Honolulu drivers could save up to $400 a year by just comparing rate quotes, but they underestimate how much money they would save if they replace their high priced policy.

If saving money is your primary concern, then the best way to get the cheapest Nissan 370Z insurance in Honolulu is to compare prices regularly from different companies that sell auto insurance in Hawaii.

• Step 1: Try to comprehend what coverages are included in your policy and the things you can change to keep rates down. Many factors that result in higher rates like accidents, careless driving, and a lousy credit rating can be improved by being financially responsible and driving safely.
• Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can give you price quotes from many different companies.
• Step 3: Compare the new rates to your existing coverage to see if a cheaper rate is available in Honolulu. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
• Step 4: Provide written notification to your current company of your decision to cancel the current policy and submit payment and a signed application to the new company. Once the application is submitted, safely store the proof of insurance paperwork in your glove compartment.

An important note is that you’ll want to compare identical deductibles and limits on every quote and and to get rate quotes from as many carriers as you can. Doing this ensures a fair rate comparison and a thorough price selection.

Buying affordable auto insurance in Honolulu is actually very simple if you learn how to start. Virtually every vehicle owner who is required by state law to have auto insurance will most likely find a lower-cost company. Although Hawaii vehicle owners must comprehend how insurance companies sell insurance online and apply this information to your search.

When comparison shopping, there are several ways of comparing rate quotes from many available car insurance companies in Hawaii. The simplest method to lower the rate you pay for Nissan 370Z insurance consists of obtaining rate quotes online.

Just keep in mind that comparing a wide range of rates gives you a better chance of getting the best price.

The companies in the list below have been selected to offer quotes in Hawaii. If multiple companies are listed, we suggest you click on several of them to get the most competitive price.

Three reasons insurance is important

Despite the high cost, insuring your vehicle serves an important purpose.

• The majority of states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability coverage 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.
• If your 370Z has a lienholder, more than likely the lender will force you to have full coverage to guarantee payment of the loan. If you default on your policy, the lender may insure your Nissan for a much higher rate and force you to pay for the expensive policy.
• Insurance protects not only your car but also your assets. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, 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 and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. Today the average American driver is wasting up to $800 each year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.

Nissan 370Z coverage analysis

The rate information displayed next outlines different coverage prices for Nissan 370Z models. Being more informed about how policy rates are determined can be valuable when making decisions on the best policy coverages.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates noticeably.

Policy deductibles

The hardest decision when buying coverage is how high should the physical damage deductibles be. The data tables below lay out the differences in price of buying low and high deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in vehicle garaging location which can impact rates noticeably.

Based on the figures above, using a $100 deductible costs approximately $25 more each month or $300 annually than requesting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 16 months between claim filings, you would save money if you decide on a higher deductible.

One important caveat is that a higher deductible means you will have to pay more of your own money when you file a claim. You need to have enough money in the bank in order to pay the higher deductible in order to repair your vehicle.

The illustration below shows how choosing a deductible and can influence Nissan 370Z yearly insurance costs for different age groups. The premiums assume a single female driver, full coverage, and no discounts are factored in.

Tickets and at-fault accidents raise rates

The chart below highlights how traffic violations and fender-benders can influence Nissan 370Z auto insurance rates for different categories of driver ages. The costs are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Comparison of car insurance rates by gender and age

The information below visualizes the comparison of Nissan 370Z auto insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

Should you buy full coverage?

The information below shows the difference between Nissan 370Z yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. The premiums are based on no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no clear-cut rule that works best for making the decision to drop full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your Nissan 370Z settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your deductible. If you are paying over $800 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where buying only liability insurance is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Get cheaper Nissan 370Z insurance rates in Honolulu

Buying car insurance is not cheap, but there’s a good chance there are discounts that can dramatically reduce your bill. Some discounts will apply at quote time, but once in a while a discount must be specifically requested prior to getting the savings.

• Safety Restraint Discount – Requiring all passengers to buckle up can save a little on the premium charged for medical payments and/or PIP.
• Switch and Save Discount – A few companies give discounts for buying a policy prior to your current 370Z insurance policy expiration. It’s a savings of about 10%.
• Multi-policy Discount – When you combine your auto and homeowners insurance with the same insurance company you could save up to 20% and get you inexpensive Nissan 370Z insurance in Honolulu.
• Accident Free – Claim-free drivers are rewarded with significantly better rates on Honolulu car insurance quote as compared to drivers with a long claim history.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more on 370Z insurance in Honolulu.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, car insurance companies aren’t that generous. Any qualifying discounts should help reduce the cost of your policy.

The chart below illustrates the difference between Nissan 370Z insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, a clean driving record, no at-fault accidents, 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, multi-car, claim-free, marriage, homeowner, and safe-driver discounts applied.

For a list of insurers with significant discounts in Hawaii, follow this link.

When should I have guidance from an insurance agency?

Many people just want to have an agent’s advice and often times that is recommended An additional benefit of comparing rates online is that you can obtain lower premium rates and still buy from a local agent.

After filling out this simple form, the quote information is transmitted to local insurance agents who will give you quotes for your insurance coverage. You won’t even need to search for an agent since rate quotes are delivered to the email address you provide. Get lower rates without having to waste a lot of time. If you need to get a rate quote for a specific company, you would need to visit that company’s website to submit a rate quote request.

Picking an provider should include more criteria than just a cheap price. Any good agent in Honolulu should know the answers to these questions.

• Are they involved in claim handling?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Are there any extra charges for paying monthly?
• Did they already check your driving record and credit reports?
• How long have they been in business?

When looking for a reliable insurance agency, you must know there are a couple types of agencies that you can choose from. Agents may be either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Agents of this type can only provide one company’s prices such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to provide other company’s prices so they are skilled at selling on more than just price. They receive a lot of sales training on sales techniques and that allows them to sell at a higher price point. Consumers often use the same exclusive agent mostly because of the prominent brand name and solid financial strength.

Listed below are Honolulu exclusive insurance agencies willing to provide rate quotes.

• Allstate Insurance: Kirk Paterson
  1259 S Beretania St Ste 1 – Honolulu, HI 96814 – (808) 593-8844 – View Map
• Sue Ann Lu – State Farm Insurance Agent
  210 Ward Ave #116 – Honolulu, HI 96814 – (808) 587-6116 – View Map
• Marilyn Jacobe – State Farm Insurance Agent
  1125 N King St #303 – Honolulu, HI 96817 – (808) 254-7028 – View Map

View more agents

Independent Agents (or Brokers)

Agents that choose to be independent can sell policies from many different companies so they can quote policies through many companies and help determine which has the cheapest rates. If they quote lower rates, they can switch companies in-house which is easy for the insured. When comparing insurance prices, it’s recommended you compare quotes from multiple independent agents to have the best price comparison. Most have the option of insuring with companies that do not advertise much that may have much lower rates than larger companies.

Below is a list of independent agents in Honolulu that can give you price quotes.

• Dongbu Insurance
  1440 Kapiolani Blvd # 950 – Honolulu, HI 96814 – (808) 942-5353 – View Map
• Rosten Y Tsuha Insurance Agency Inc
  1350 S King St #303 – Honolulu, HI 96814 – (808) 591-5545 – View Map
• John H Connors Insurance
  500 Ala Moana Blvd # 2303 – Honolulu, HI 96813 – (808) 534-7300 – View Map

View more agents

Upon receiving good answers to all your questions as well as offering an affordable quote, you’ve probably found an insurance agency that is a good match to provide insurance coverage. But keep in mind consumers can terminate your policy whenever you want so don’t assume that you’re stuck with a specific company for the full policy term.

Special considerations

When it comes to coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions can aid in determining whether you might need an agent’s assistance.

• When does my teenage driver need to be added to my policy?
• Why does it cost so much to insure a teen driver in Honolulu?
• Are rental cars covered under my policy?
• Do I really need UM/UIM coverage?
• What discounts do I qualify for?
• Am I covered if I break a side mirror?
• Will my rates increase for filing one claim?
• Who sells insurance for high-risk drivers?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Honolulu car insurance company ratings

Insuring your vehicle with the top car insurance provider can be difficult considering how many companies sell insurance in Hawaii. The company rank data listed below can help you analyze which companies you want to consider when shopping your coverage around.

Top 10 Honolulu Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Progressive
5. Allstate
6. American Family
7. AAA Insurance
8. Nationwide
9. Liberty Mutual
10. Farmers Insurance

Don’t give up on cheaper coverage

Cost effective Nissan 370Z insurance can be purchased on the web and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online price quotes and usually these smaller providers prefer to sell through independent insurance agents.

We just showed you quite a bit of information on how to reduce Nissan 370Z insurance car insurance rates online in Honolulu. The key thing to remember is the more providers you compare, the better likelihood of getting affordable Nissan 370Z insurance quotes. You may even discover the lowest car insurance rates come from a smaller regional carrier.

People switch companies for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, high rates after DUI convictions and even delays in paying claims. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

Other information

• Speed and Speed Limit FAQ (iihs.org)
• Who Has the Cheapest Honolulu Auto Insurance for 18 Year Olds? (FAQ)
• Who Has the Cheapest Honolulu Auto Insurance Rates for Young Drivers? (FAQ)
• Teen Driver Licensing Information (iihs.org)
• Child Safety Seats (Insurance Information Institute)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• Airbag FAQ (iihs.org)