Trying to find cheap Nissan Sentra insurance in Honolulu can be frustrating for drivers who are new to shopping for insurance online. With so many options of online companies available, it can easily become a lot of work to find cheaper prices in Hawaii.

Discount Nissan Sentra insuranceAmazingly, a recent NerdWallet.com study showed that almost 70% of insureds in Hawaii have stayed with the same insurance company for well over three years, and about 40% of consumers have never compared rates with other companies. Consumers in America can save hundreds of dollars each year, but they just assume it takes a lot of time to do a rate comparison.

If you're already insured, you will most likely be able to reduce premiums using the ideas covered in this article. Comparing rates for the lowest-priced protection in Honolulu is simple if you know the tricks. Although Hawaii drivers can benefit from knowing how the larger insurance companies market on the web because rates are impacted by many factors.

Low-cost Nissan insurance rates in Honolulu

The auto insurance companies shown below provide price quotes in Hawaii. If more than one company is shown, we recommend you visit two to three different companies to get the most competitive price.

Nissan Sentra Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $154 $350 $254 $16 $76 $850 $71
Sentra 2.0 S $112 $272 $248 $14 $74 $720 $60
Sentra 2.0 SR $126 $256 $346 $20 $104 $852 $71
Sentra 2.0 SL $142 $338 $300 $18 $90 $888 $74
Sentra SE-R $184 $402 $358 $22 $106 $1,072 $89
Sentra SE-R SPEC V $196 $528 $344 $20 $104 $1,192 $99
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific garaging location which can revise insurance rates significantly.

Does full coverage make sense?

The information below shows the difference between Nissan Sentra insurance costs with full coverage and liability only. The data assumes no driving violations, no at-fault accidents, $500 deductibles, married male driver, and no additional discounts are factored in.

When to drop full coverage

There is no specific rule to stop paying for comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Nissan Sentra book value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after paying your deductible. If premiums are more than $200 a year for full coverage, then it might be time to consider dropping full coverage.

There are some situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Nissan Sentra insurance costs by age and gender

The example below compares Nissan Sentra yearly insurance costs for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are factored in.

Rate comparison for different deductibles

When shopping for car insurance, a common question is how high should the physical damage coverage deductibles be. The following tables sum up the differences in price of buying low and high coverage deductibles. The first rate quote example uses a $250 deductible and the second price grid uses a $1,000 deductible.

Nissan Sentra insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $178 $344 $264 $16 $80 $907 $76
Sentra 2.0 S $178 $406 $264 $16 $80 $969 $81
Sentra 2.0 SR $178 $406 $264 $16 $80 $969 $81
Sentra 2.0 SL $204 $406 $264 $16 $80 $995 $83
Sentra SE-R $204 $406 $264 $16 $80 $995 $83
Sentra SE-R SPEC V $204 $468 $264 $16 $80 $1,057 $88
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Nissan Sentra insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $110 $216 $264 $16 $80 $686 $57
Sentra 2.0 S $110 $256 $264 $16 $80 $726 $61
Sentra 2.0 SR $110 $256 $264 $16 $80 $726 $61
Sentra 2.0 SL $126 $256 $264 $16 $80 $742 $62
Sentra SE-R $126 $256 $264 $16 $80 $742 $62
Sentra SE-R SPEC V $126 $294 $264 $16 $80 $780 $65
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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-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in vehicle location which can change premiums substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $21 more each month or $252 every year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 36 months between claim filings, you would probably save some money by selecting a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $82
Average monthly premium for $1,000 deductibles (subtract): - $61
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

Nissan Sentra insurance discounts in Honolulu

The cost of insuring your cars can be expensive, but you may qualify for discounts that you may not even know about. Most are applied at the time you complete a quote, but occasionally some discounts must be asked about before you will receive the discount. If you aren't receiving every discount possible, you may be paying too high a price.

It's important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn't be very happy.

A partial list of companies that may offer quotes with some of the above discounts are:

Before you buy a policy, ask all the companies how you can save money. Some credits might not be offered on policies in Honolulu. For a list of insurance companies that offer many of these discounts in Hawaii, click here.

Auto insurance can be complex

When quoting and comparing your policy for your personal vehicles, there isn't really a "best" method to buy coverage. Your situation is unique.

For instance, these questions can aid in determining whether you will benefit from professional help.

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance is available from local agents

A small number of people would prefer to talk to an insurance agent and that can be a great decision The biggest benefit of getting free rate quotes online is you can get cheap insurance quotes and still choose a local agent. And buying from local agencies is still important in Honolulu.

Insurance agency in HonoluluAfter completing this form (opens in new window), your information is immediately sent to companies in Honolulu who will gladly provide quotes for your coverage. There is no reason to leave your house because prices are sent to you instantly. You can find the lowest rates and a licensed agent to talk to. In the event you want to quote rates from one company in particular, you just need to find their quoting web page and fill out the quote form the provide.

What types of auto insurance agents are in Honolulu?

If you are wanting to find an insurance agent, there are two different types of agencies and how they function. Insurance agents can either be independent or exclusive.

Independent Insurance Agents

Agents that choose to be independent do not write with just one company so they can insure your vehicles with lots of companies and find you the best rates. If they find a lower price, they can switch companies in-house which makes it simple for you. When comparing rate quotes, you need to contact multiple independent agents so that you have a good selection of quotes to compare. They often place coverage with lesser-known insurance companies which may provide better rates.

Below is a short list of independent insurance agencies in Honolulu that can give you free rate quotes.

More insurance agents

Exclusive Insurance Agents

Agents that choose to be exclusive can usually just insure with one company and some examples include Allstate, State Farm and Farm Bureau. These agents are unable to give you multiple price quotes so keep that in mind. These agents are trained well on their company's products which helps overcome the inability to quote other rates. Some consumers prefer to buy insurance from these agents mostly because of the brand name rather than having the cheapest rates.

Shown below is a short list of exclusive agencies in Honolulu willing to provide rate quotes.

More insurance agents

Finding a good insurance agent should depend on more than just the quoted price. Before buying a policy in Honolulu, get answers to these questions.

How much can you save?

In this article, we covered some good ideas how you can shop for Nissan Sentra insurance online. The key thing to remember is the more times you quote, the better your chances of lowering your prices. You may even be surprised to find that the most savings is with a lesser-known regional company.

As you prepare to switch companies, don't be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at the best possible price while still protecting your assets.

Budget-conscious Nissan Sentra insurance can be found from both online companies and from local agencies, and you should compare rates from both to get a complete price analysis. A few companies do not provide internet price quotes and most of the time these smaller companies provide coverage only through independent insurance agencies.

Additional detailed information is available by following these links: