Would you like to stop wasting money and find cheaper Nissan Altima insurance in Honolulu? Are you intimidated by the wide range of insurance companies available to you? There are so many choices that it can really be a burden to find the best prices for Nissan Altima insurance in Honolulu. Lots of people think Honolulu has many things to offer, but having to pay for pricey insurance can make it nearly impossible for many drivers to afford.

Insurance rates Nissan Altima in HonoluluUnthinkable but true, a large majority of drivers have been with the same company for four years or more, and 38% of customers have never quoted rates to find cheap coverage. Consumers in Honolulu could save as much as $360 each year just by comparing rates, but they don't believe the large savings they would see if they moved their coverage to a different company.

You need to get comparison quotes yearly because insurance rates change frequently. Despite the fact that you may have had the best deal on Nissan Altima insurance in Honolulu last year there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because you're about to find out one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

The quickest way to get rate comparisons for Nissan Altima insurance in Honolulu is to know the trick all the major auto insurance companies will pay a fee to compare rate quotes. The only thing you need to do is spend a couple of minutes providing details like your credit rating estimate, driver details, how much you drive, and what you do for a living. Your rating data is then sent to many of the top insurers and they return cost estimate within a short period of time.

If you wish to get multiple quotes for your Nissan Altima now, click here and see if a lower rate is available in Honolulu.

The car insurance companies shown below are ready to provide free quotes in Honolulu, HI. If multiple providers are shown, we suggest you get prices from several of them to get the best price comparison.

Nissan Altima Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $228 $424 $358 $22 $106 $1,138 $95
Altima 2.5 S 4-Dr Sedan $108 $264 $300 $18 $90 $780 $65
Altima Hybrid 4-Dr Sedan $214 $328 $346 $20 $104 $1,012 $84
Altima 2.5 S 2-Dr Coupe $162 $320 $314 $18 $94 $908 $76
Altima 3.5 SR 4-Dr Sedan $112 $218 $254 $16 $76 $676 $56
Altima 3.5 SR 2-Dr Coupe $294 $558 $392 $24 $118 $1,386 $116
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rates do not factor in your specific Honolulu location which can increase or decrease premiums substantially.

How high should deductibles be?

A question often asked by Honolulu drivers is how high should the physical damage coverage deductibles be. The following tables show the difference in cost when you choose different comp and collision deductibles. The first rate comparisons uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Nissan Altima insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $204 $344 $264 $16 $80 $933 $78
Altima 2.5 S 4-Dr Sedan $204 $406 $264 $16 $80 $995 $83
Altima Hybrid 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
Altima 2.5 S 2-Dr Coupe $230 $406 $300 $18 $90 $1,069 $89
Altima 3.5 SR 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
Altima 3.5 SR 2-Dr Coupe $230 $468 $300 $18 $90 $1,131 $94
Get Your Own Custom Quote Go
Nissan Altima insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $166 $278 $264 $16 $80 $804 $67
Altima 2.5 S 4-Dr Sedan $166 $328 $264 $16 $80 $854 $71
Altima Hybrid 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Altima 2.5 S 2-Dr Coupe $188 $328 $300 $18 $90 $924 $77
Altima 3.5 SR 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Altima 3.5 SR 2-Dr Coupe $188 $378 $300 $18 $90 $974 $81
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 claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific Honolulu garaging location which can raise or lower coverage rates noticeably.

We can derive from the above data that using a $250 deductible costs roughly $12 more each month or $144 each year than choosing the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 21 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $86
Average monthly premium for $500 deductibles (subtract): - $74
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Three good reasons to insure your Altima

Even though Honolulu Altima insurance rates can get expensive, auto insurance is mandatory in Hawaii but it also protects more than you think.

First, just about all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability insurance coverage in order to get the vehicle licensed. 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.

Second, if you have a lien on your vehicle, more than likely the lender will have a requirement that you buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Nissan at a more expensive rate and force you to reimburse them for it.

Third, insurance protects your Nissan and your assets. It will also provide coverage for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If your Nissan gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. An average driver in America is overpaying more than $825 a year so shop around each time the policy renews to ensure rates are competitive.

Eight Tips to Get Lower-cost Honolulu Insurance Prices

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for insurance. If you have a feel for what controls the rates you pay, this enables you to make decisions that may reward you with lower insurance prices. Lots of things are taken into consideration when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are more transparent like where you live or how financially stable you are.

Get cheaper Nissan Altima insurance in Honolulu with discounts

Auto insurance is neither fun to buy or cheap, but there could be significant discounts that can help lower your rates. Some discounts apply automatically when you complete an application, but some need to be requested specifically before you get the savings.Auto insurance discounts

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, companies don't profit that way.

To see a list of auto insurance companies that provide some of the discounts listed above in Hawaii, follow this link.

Neighborhood agents and auto insurance

A lot of people would prefer to get professional advice from a licensed agent and that is not a bad decision One of the best bonuses of price shopping on the web is the fact that drivers can get the best rates and still choose a local agent. Buying insurance from neighborhood insurance agencies is definitely important in Honolulu.

Find insurance agent in HonoluluUpon completion of this quick form, the coverage information is sent to participating agents in Honolulu that provide free Honolulu auto insurance quotes for your coverage. It makes it easy because there is no need to leave your computer because quoted prices will be sent immediately to your email address. You can find better rates and work with a local agent. In the event you want to get a comparison quote from a specific insurance company, you would need to search and find their rate quote page to submit a rate quote request.

Deciding on a provider needs to be determined by more than just the premium amount. These are some valid questions you should ask.

Once you have received reasonable responses to any questions you have as well as a price you're happy with, you've probably found a company that can be trusted to properly service your auto insurance policy.

The best insurance company isn't always the cheapest

People leave their current company for any number of reasons including policy non-renewal, high rates after DUI convictions, poor customer service and delays in paying claims. It doesn't matter why you want to switch switching companies is not as difficult as it may seem.

You just learned a lot of tips how to lower your Nissan Altima insurance prices in Honolulu. It's most important to understand that the more quotes you get, the higher your chance of finding the cheapest Nissan Altima rate quotes. You may even be surprised to find that the best price on auto insurance is with a small mutual company.

Cheaper Nissan Altima insurance in Honolulu can be sourced both online as well as from independent agents in Honolulu, so you need to shop Honolulu auto insurance with both in order to have the best chance of saving money. There are still a few companies who don't offer internet price quotes and these regional carriers only sell coverage through independent agents.

More tips and info about auto insurance can be found in these articles: