Insurance quote for Nissan Xterra in HonoluluHow long has it been since you sat down and looked for cheaper insurance rates in Honolulu, HI? Honolulu drivers have many options when trying to find the best price on Nissan Xterra insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to compare rates.

There are more efficient ways to compare insurance rates and you need to know the best way to price shop coverage on a Nissan and obtain the lowest price from both online companies and Honolulu agents.

The companies in the list below are our best choices to provide free quotes in Honolulu, HI. If multiple companies are listed, it's a good idea that you visit several of them in order to find the most affordable rates.

Nissan Xterra Insurance Rate Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $180 $244 $272 $16 $82 $794 $66
Xterra S 2WD $154 $228 $300 $18 $90 $790 $66
Xterra S 4WD $154 $218 $300 $18 $90 $780 $65
Xterra X 4WD $166 $178 $346 $20 $104 $814 $68
Xterra Off Road 4WD $152 $210 $272 $16 $82 $732 $61
Xterra SE 2WD $126 $178 $264 $16 $80 $664 $55
Xterra SE 4WD $190 $228 $346 $20 $104 $888 $74
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in Honolulu location which can revise auto insurance rates noticeably.

Insurance rate increases from tickets or accidents

The chart below shows how violations and at-fault fender-benders influence Nissan Xterra annual premium costs for each age group. The rates are based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

Should you buy full coverage?

The information below examines Nissan Xterra annual premium costs with liability coverage only compared to full coverage. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, married male driver, and no policy discounts are applied.

Should you buy full coverage or liability only?

There isn't a written rule that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's assume your Nissan Xterra book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $4,000 after you pay the deductible. If you are paying more than $400 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some scenarios where removing full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle in case of an accident, you should not opt for liability only.

Choosing deductibles

One of the more difficult decisions when buying car insurance is how high should your deductibles be. The following tables lay out the rate differences of buying low and high policy deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Nissan Xterra insurance premium 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 premium 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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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific Honolulu garaging location which can decrease or increase prices considerably.

Based on this data, using a $250 deductible would cost the average driver about $15 more each month or $180 annually than requesting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 50 months between claims, you would more than likely save some money going with the higher deductible.

Get cheaper rates by getting discounts

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that may help make it more affordable. Certain reductions will be credited at quote time, but some discounts are required to be specially asked for prior to receiving the credit.Save money with discounts

You should keep in mind that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will positively reduce your premiums.

Larger auto insurance companies and a partial list of their discounts are outlined below.

When getting free Honolulu car insurance quotes, it's a good idea to all the companies how many discounts you can get. A few discounts may not be available in every state. If you would like to choose from a list of insurers that have a full spectrum of discounts in Honolulu, click here to view.

Get rate quotes but buy from a local neighborhood Honolulu car insurance agent

Some people just prefer to have an agent's advice and that is recommended in a lot of cases Good insurance agents are trained risk managers and give you someone to call. The biggest benefit of getting free rate quotes online is that drivers can save money and get the best rates but still work with a licensed agent. And buying from local insurance agents is especially important in Honolulu.

For easy comparison, once you complete this simple form, your information is transmitted to agents in your area who will give competitive quotes to get your business. It simplifies rate comparisons since you won't have to drive around since rate quotes are delivered directly to your email. In the event you want to compare rates from a specific insurance provider, you just need to jump over to their website and fill out the quote form the provide.

If you need to find a local insurance agency, there are a couple of different agency structures and how they can service your needs differently. Agents in Honolulu are classified as either exclusive or independent agents depending on their company appointments. Both types can handle insurance, but it is important to understand how they differ because it can impact buying decisions.

Independent Agencies or Brokers

Agents that choose to be independent are not restricted to one company and that is an advantage because they can write policies with a variety of different insurance companies and find the cheapest rate. If they find a lower price, the agent simply finds a different carrier without you having to go to a different agency. If you need lower rates, we recommend you get insurance quotes from a few independent agents for the best price selection. Most also have access to companies that do not advertise much that may have much lower rates than larger companies.

Featured below is a short list of independent insurance agents in Honolulu who can help you get free insurance quotes.

View more Honolulu agents

Exclusive Insurance Agents

Exclusive agencies can only write with one company and some examples include Allstate and State Farm. These agents are not able to provide other company's prices so you need to shop around if the rates are high. These agents are usually well trained on their products and sales techniques which helps them sell on service rather than price. Some insured continue to buy insurance from these agents mainly due to high brand loyalty rather than having the cheapest rates.

Listed below is a list of exclusive agencies in Honolulu willing to provide comparison quotes.

View more Honolulu agents

Choosing the best auto insurance agent is decision based upon more than just the premium amount. Any agent in Honolulu should be willing to answer these questions.

You Can Change Your Insurance Premiums

Part of the car insurance buying process is learning the rating factors that are used to determine car insurance rates. If you know what determines premiums, this allows you to make educated decisions that can earn you better car insurance rates. Many different elements are used when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but some are less obvious like where you live or how safe your car is.

Shown below are some of the things used by insurance companies to determine your prices.

Why you need quality insurance for your Nissan Xterra

Even though Honolulu Xterra insurance rates can get expensive, insurance is most likely required but also gives you several important benefits.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. The average driver in America overpays more than $750 every year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Cheap car insurance prices are available

Insureds switch companies for many reasons like extreme rates for teen drivers, poor customer service, unfair underwriting practices or even not issuing a premium refund. It doesn't matter what your reason, finding a great new company can be less work than you think.

Some car insurance companies may not provide online quoting and many times these smaller companies prefer to sell through local independent agencies. Discount Nissan Xterra insurance can be sourced on the web as well as from insurance agents, and you should be comparing both to have the best rate selection.

You just learned some good ideas how you can lower your Nissan Xterra insurance rates in Honolulu. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable Honolulu car insurance quotes. Drivers may even discover the lowest rates come from the least-expected company.

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