Best Nissan Xterra Insurance in Honolulu

Insurance rates Nissan Xterra in HonoluluThe best way we recommend to get more affordable car insurance rates is to regularly compare prices from insurers that insure vehicles in Honolulu. Drivers can shop around by completing these steps.

  1. Try to learn a little about how your policy works and the measures you can take to keep rates down. Many rating criteria that result in higher prices such as speeding tickets, accidents and a not-so-good credit score can be rectified by paying attention to minor details. Keep reading for more ideas to help reduce premium rates and get bigger discounts that may have been overlooked.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of insurance providers. View a list of agents
  3. Compare the price quotes to your existing rates to see if a cheaper price is available. If you can save money, verify that coverage does not lapse between policies.

The most important part of shopping around is that you’ll want to make sure you compare identical deductibles and limits on each quote and and to get rates from as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and a thorough selection of prices.

Remarkably, a study showed that most auto insurance policyholders in Hawaii have been with the same company for well over three years, and about 40% of consumers have never compared rates to find cheap insurance. American drivers can cut their rates by roughly $860 a year by just comparing rate quotes, but they underestimate how much money they would save if they changed companies.

Compare free Honolulu Nissan Xterra insurance rate quotes

Just keep in mind that comparing more prices increases the chance that you will find more affordable rates. Some smaller insurers do not give online price quotes, so it’s important to compare prices from them, too.

The providers in the list below are ready to provide quotes in Honolulu, HI. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.

Protect more than your vehicle

Despite the fact that car insurance is not cheap in Honolulu, maintaining insurance is required in Hawaii but it also protects you in many ways.

The benefits of carrying adequate insurance more than offset the price you pay, specifically if you ever have a liability claim. On average, a vehicle owner in Honolulu overpays more than $700 annually so it’s very important to do a rate comparison every year to be sure current rates are still competitive.

Coverage information

The coverage table displayed below outlines different insurance premium costs for Nissan Xterra models. Having a good understanding how insurance prices are determined can help drivers make informed decisions when comparing rates.

Nissan Xterra Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $94 $136 $300 $18 $90 $638 $53
Xterra S 2WD $94 $136 $300 $18 $90 $638 $53
Xterra S 4WD $94 $136 $300 $18 $90 $638 $53
Xterra X 4WD $94 $136 $300 $18 $90 $638 $53
Xterra Off Road 4WD $108 $174 $300 $18 $90 $690 $58
Xterra SE 2WD $108 $174 $300 $18 $90 $690 $58
Xterra SE 4WD $108 $174 $300 $18 $90 $690 $58
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific garaging location which can modify premium rates significantly.

Deductible analysis

When buying insurance, a common question is which deductibles should you choose. The rates below help summarize the costs and benefits between high and low insurance deductibles. The first price estimate table uses a $250 deductible and the second price chart uses a $1,000 deductible.

Nissan Xterra insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $178 $222 $264 $16 $80 $785 $65
Xterra S 2WD $178 $222 $264 $16 $80 $785 $65
Xterra S 4WD $178 $222 $264 $16 $80 $785 $65
Xterra X 4WD $178 $222 $264 $16 $80 $785 $65
Xterra Off Road 4WD $204 $284 $264 $16 $80 $873 $73
Xterra SE 2WD $204 $284 $264 $16 $80 $873 $73
Xterra SE 4WD $204 $284 $264 $16 $80 $873 $73
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Nissan Xterra insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $110 $140 $264 $16 $80 $610 $51
Xterra S 2WD $110 $140 $264 $16 $80 $610 $51
Xterra S 4WD $110 $140 $264 $16 $80 $610 $51
Xterra X 4WD $110 $140 $264 $16 $80 $610 $51
Xterra Off Road 4WD $126 $178 $264 $16 $80 $664 $55
Xterra SE 2WD $126 $178 $264 $16 $80 $664 $55
Xterra SE 4WD $126 $178 $264 $16 $80 $664 $55
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Prices do not factor in specific location which can impact coverage prices considerably.

Based on these figures, using a $250 deductible costs an average of $15 more each month or $180 each year averaged for all Xterra models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 50 months between claim filings, you would save more money going with the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $68
Average monthly premium for $1,000 deductibles (subtract): – $53
Monthly savings from raising deductible: $15
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 50 months

One thing to note is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You must have some non-essential savings in order to pay the higher deductible.

Irresponsible driving raises your rates

The chart below demonstrates how traffic citations and at-fault accidents increase Nissan Xterra insurance costs for different age categories. The rate quotes are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Insurance cost for men versus women

The illustration below visualizes the comparison of Nissan Xterra yearly insurance costs for male and female drivers. The premium estimates are based on no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.

Get cheaper rates on Nissan Xterra insurance in Honolulu with these insurance discounts

Companies offering auto insurance don’t always publicize every discount very clearly, so the list below details a few of the more common as well as some of the hidden credits available to bring down your rates. If you are not receiving all the discounts you deserve, you could be paying more than you need to.Insurance discounts

As a footnote on discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, you aren’t that lucky. Any qualifying discounts will positively reduce your overall bill.

The illustration below illustrates the difference between Nissan Xterra auto insurance costs with and without discounts applied to the rates. The information is based on a female driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, full coverage, and $500 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.

To see insurance companies with significant discounts in Hawaii, follow this link.

Insurance agents can help

Keep in mind that when it comes to choosing your policy, there really isn’t a one-size-fits-all type of policy. Every insured’s situation is different.Higher deductibles save money

For example, these questions might help in determining if you could use an agent’s help.

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.