Are you at wits end from sacrificing other expenses to pay your insurance bill each month? You're in the same situation as many other Hawaii drivers.
Unthinkable but true, a large majority of drivers in Hawaii have been with the same company for well over three years, and nearly half have never shopped around. U.S. drivers could save themselves up to $850 a year by just comparing rate quotes, but most undervalue the amount of savings they would get if they switched to a more affordable policy.
Since you have so many options for buying cheap insurance for a Nissan Rogue in Honolulu, it can be hard to choose a lower cost insurance provider.
Finding quotes for more affordable protection in Honolulu is not as hard as you may think. Essentially every person who has to buy insurance will more than likely be able to reduce their rates. But Hawaii consumers do need to know the way companies calculate their prices because it can help you find the best coverage.
Affordable Nissan insurance price quotes in Honolulu
The companies in the list below are our best choices to provide price quotes in Hawaii. If multiple companies are shown, we suggest you visit several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Rogue S 2WD||$176||$338||$338||$20||$102||$974||$81|
|Rogue S AWD||$186||$318||$308||$18||$92||$922||$77|
|Rogue SL 2WD||$160||$292||$288||$16||$86||$842||$70|
|Rogue SL AWD||$128||$272||$282||$16||$84||$782||$65|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can modify premiums noticeably.
Car insurance cost for men versus women in Honolulu
The chart below compares Nissan Rogue annual premium costs for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are factored in.
The information below demonstrates how deductible levels and can impact Nissan Rogue insurance rates for each age group. The rates are based on a single male driver, comp and collision included, and no other discounts are factored in.
These seven discounts can slash Nissan Rogue insurance rates
Companies offering auto insurance don't always advertise every possible discount in a way that's easy to find, so the next list breaks down some of the more common and also the more inconspicuous credits available to you.
- Accident Free - Insureds who avoid accidents and claims pay less in comparison with bad drivers.
- Low Miles Discount - Fewer annual miles on your Nissan may allow you to get lower premium rates due to less chance of an accident.
- Senior Citizen Discount - Drivers over the age of 55 can possibly qualify for a small decrease in premiums.
- Paperless Signup - Some insurance companies will discount your bill up to fifty bucks for signing up on the web.
- Honolulu Homeowners Discount - Being a homeowner may trigger a policy discount on insurance since owning and maintaining a home is proof that your finances are in order.
- Organization Discounts - Participating in a civic or occupational organization in Honolulu is a good way to get lower rates on your next renewal.
- Cautious Driver Discounts - Safe drivers may receive a discount up to 45% than drivers with accident claims.
It's important to understand that most discount credits are not given to the whole policy. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.
Insurance companies that may offer some of the above discounts may include but are not limited to:
Before buying, ask all companies you are considering how you can save money. All car insurance discounts may not apply to policyholders everywhere. For a list of providers that provide some of the discounts listed above in Honolulu, click this link.
How to know if you need help
When it comes to coverage, there really isn't a single plan that fits everyone. Your needs are not the same as everyone else's.
For example, these questions may help highlight whether or not you would benefit from an agent's advice.
- Can I get by with minimal medical coverage if I have good health insurance?
- When do I need to add a new car to my policy?
- What is the difference between comprehensive and collision coverage?
- Are rock chip repairs covered?
- Should I have combined single limit or split liability limits?
- What does UM/UIM cover?
- Do I pay less if my vehicle is kept in my garage?
- Am I covered if I back into my garage door?
- Am I covered if I drive in a foreign country?
- Which companies will insure me after a DUI?
If you're not sure about those questions then you might want to talk to an insurance agent. If you don't have a local agent, fill out this quick form.
Do I need a local insurance agent?
Some people just want to get advice from a local agent and that is recommended in a lot of cases One of the best bonuses of comparing insurance prices online is that drivers can save money and get cheap rate quotes and still have a local agent. Buying insurance from small agencies is definitely important in Honolulu.
To find an agent, once you fill out this simple form, your coverage information is emailed to local insurance agents who will gladly provide quotes for your auto insurance coverage. It's much easier because you don't need to leave your computer because prices are sent straight to your inbox. You can most likely find cheaper rates without requiring a lot of work. If you wish to get a price quote for a specific company, you just need to jump over to their website and complete a quote there.
Finding the right provider requires you to look at more than just the price. The following questions are important to ask.
- How long has the business existed?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will high miles depreciate repair valuations?
- Will one accident increase rates?
- Are claim adjusters local or do you have to take your car somewhere else?
- How many companies do they write for?
- Is working in the agency their full-time job?
If you receive satisfactory answers to these questions as well as a price you're happy with, you have narrowed it down to an provider that can be trusted to adequately provide auto insurance. Keep in mind you are able to cancel your policy for any reason so never feel you're contractually obligated to a specific company indefinitely.
Specifics of your insurance policy
Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Comprehensive insurance - This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as hail damage, damage from flooding, vandalism and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.
Coverage for uninsured or underinsured drivers - This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle's occupants as well as your vehicle's damage.
Due to the fact that many Hawaii drivers only carry the minimum required liability limits (20/40/10 in Hawaii), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are set the same as your liability limits.
Liability coverages - Liability insurance provides protection from damage that occurs to other's property or people. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 20/40/10 that means you have a $20,000 limit per person for injuries, $40,000 for the entire accident, and property damage coverage for $10,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims like bail bonds, structural damage, repair bills for other people's vehicles, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford. Hawaii requires drivers to carry at least 20/40/10 but it's recommended drivers buy higher limits.
Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like dental work, hospital visits, doctor visits, EMT expenses and nursing services. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Collision coverage - Collision insurance will pay to fix damage to your Rogue resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like damaging your car on a curb, crashing into a building, rolling your car and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible on your Rogue in order to get cheaper collision rates.
Smart shoppers get results
In this article, we covered some good ideas how to compare Nissan Rogue insurance car insurance rates in Honolulu. The most important thing to understand is the more you quote Honolulu car insurance, the better your chances of lowering your premium rates. You may even be surprised to find that the best car insurance rates are with a smaller regional carrier.
Consumers change insurance companies for a number of reasons such as lack of trust in their agent, policy non-renewal, poor customer service or even denial of a claim. Regardless of your reason for switching companies, switching auto insurance companies is easier than you think.
The cheapest Nissan Rogue insurance in Honolulu is possible online and from local insurance agents, and you should compare rates from both to have the best selection. Some companies do not offer internet price quotes and these smaller companies sell through independent agents.
More detailed auto insurance information is located by following these links:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has the Cheapest Car Insurance Rates for Immigrants in Hawaii? (FAQ)
- Who Has Cheap Hawaii Car Insurance for a Hyundai Elantra? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)