Insurance rates Nissan Versa in HonoluluDo you need a fast way to compare more competitive car insurance rates in Honolulu, HI? Honolulu drivers have lots of choices when trying to find low-cost Nissan Versa insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to make rate comparisons.

There is a better way to compare car insurance rates and you need to know the quickest way to quote coverages for a new or used Nissan and locate the lowest possible price from Honolulu insurance agents and online providers.

Smart consumers take time to check car insurance prices once or twice a year due to the fact that insurance prices are variable and change quite frequently. Just because you found the best deal on Nissan Versa insurance in Honolulu a couple years back you may be paying too much now. You can search a lot of Versa insurance online, but in a few minutes you can learn some excellent ideas to lower your car insurance premiums.

The purpose of this article is to teach you a little about the best ways to compare prices and how you can save the most money. If you are already insured, you stand a good chance to be able to get lower rates using the techniques presented in this article. Consumers only need an understanding of the least time-consuming way to compare prices using one simple form.

Many insurance companies such as State Farm, Allstate and GEICO provide pricing direct online. Getting online rates for Nissan Versa insurance in Honolulu is quite easy as you simply enter your required coverages as detailed in the form. After the form is submitted, the quote system automatically orders reports for credit and driving violations and provides a quote based on the data you entered.

Being able to quote online for Nissan Versa insurance in Honolulu helps simplify price comparisons, and it's very important to compare as many rates as possible if you want to find the lowest payment on car insurance.

To compare pricing, check out the car insurance providers below. To compare your current rates, we recommend you type in deductibles and limits just like they are on your policy. This way, you will get comparison quotes for exact coverage.

The companies in the list below are our best choices to provide quotes in Honolulu, HI. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.

Nissan Versa Insurance Cost Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $140 $228 $346 $20 $104 $838 $70
Versa 1.8 S Hatchback $124 $320 $278 $16 $84 $822 $69
Versa 1.8 S SEDAN $160 $402 $358 $22 $106 $1,048 $87
Versa 1.8 SL Hatchback $142 $370 $300 $18 $90 $920 $77
Versa 1.8 SL SEDAN $144 $294 $346 $20 $104 $908 $76
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can change insurance rates considerably.

Annual premiums comparing men and women in Honolulu

The illustration below compares Nissan Versa car insurance costs for male and female drivers. The prices are based on no claims or driving violations, full coverage, $250 deductibles, single marital status, and no discounts are factored in.

Comparison of policy deductibles

The chart below shows how choosing a deductible and can change Nissan Versa insurance premiums for each age group. The premium estimates are based on a single male driver, comp and collision included, and no other discounts are factored in.

How high should deductibles be?

A question often asked by Honolulu drivers is at what level do you set your deductibles. The figures shown below help summarize the price difference when you select higher and lower coverage deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Nissan Versa insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $152 $284 $264 $16 $80 $821 $68
Versa 1.8 S Hatchback $178 $406 $264 $16 $80 $969 $81
Versa 1.8 S SEDAN $178 $406 $264 $16 $80 $969 $81
Versa 1.8 SL Hatchback $204 $468 $264 $16 $80 $1,057 $88
Versa 1.8 SL SEDAN $204 $468 $264 $16 $80 $1,057 $88
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Nissan Versa insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $124 $228 $264 $16 $80 $712 $59
Versa 1.8 S Hatchback $144 $328 $264 $16 $80 $832 $69
Versa 1.8 S SEDAN $144 $328 $264 $16 $80 $832 $69
Versa 1.8 SL Hatchback $166 $378 $264 $16 $80 $904 $75
Versa 1.8 SL SEDAN $166 $378 $264 $16 $80 $904 $75
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in Honolulu location which can influence prices substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $12 more each month or $144 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 21 months between claim filings, you would save more money if you elect the higher deductible.

What is the best insurance coverage?

When it comes to choosing coverage for your vehicles, there isn't really a single plan that fits everyone. Your financial needs are unique.Insurance savings

For example, these questions can help discover if your insurance needs might need professional guidance.

If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

When to contact a local insurance agent

Many people just want to sit down and talk to an agent and we recommend doing that Good agents can point out coverage gaps and give you someone to call. The best thing about price shopping on the web is the fact that you can find cheap auto insurance rates and still have an agent to talk to. Buying from neighborhood insurance agencies is definitely important in Honolulu.

Find insurance agent in HonoluluAfter completing this short form, your insurance data is emailed to companies in Honolulu who will give you quotes and help you find cheaper coverage. You never need to find an agent on your own since price quotes are sent to you instantly. If you want to get a rate quote from one company in particular, feel free to jump over to their website and submit a quote form there.

When researching a local Honolulu insurance agent, you should know the different types of agencies that you can select. Agents may be either exclusive or independent agents depending on their company appointments. Both types can provide auto insurance policies, but it's good to learn how they are different since it could factor into the selection process.

Independent Auto Insurance Agencies

Independent insurance agents are not employed by one company and that gives them the ability to insure with an assortment of companies and find the cheapest auto insurance rates. If premiums increase, they can switch companies in-house and you can keep the same agent. If you need lower rates, we recommend you get some free quotes from several independent agencies to ensure the widest selection of prices. Many can place coverage with companies you've never heard of which can save you money.

Featured below is a partial list of independent agents in Honolulu that may be able to provide price quotes.

More Honolulu agents

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive normally can only provide a single company's rates such as American Family, State Farm, and AAA. These agents are not able to provide other company's prices so it's a take it or leave it situation. Exclusive insurance agents are very knowledgeable on what they offer which helps them sell on service rather than price. Consumers frequently buy from exclusive agents mostly because of the prominent brand name and the convenience of having all coverages with one company.

Below is a list of exclusive insurance agencies in Honolulu that are able to give price quotes.

More Honolulu agents

Choosing the best auto insurance agent should depend on more than just a low price. Here are some questions to ask: