Insurance rates Nissan Titan in HonoluluIf shopping for Honolulu auto insurance quotes online is new to you, most likely you are confused by the confusing number of car insurance companies offering insurance in Honolulu.

Astonishing but true according to a recent study, the vast majority of Hawaii car insurance customers kept their policy with the same company for over three years, and nearly half have never even compared quotes to find affordable rates. With the average premium in the U.S. being $1,847, drivers could save an average of 46.5% each year by just comparing quotes, but they don't know how much they could save if they changed companies.

You should take the time to get comparison quotes before your next renewal due to the fact that insurance rates are usually higher with each renewal. Even if you got the best premium rates on Nissan Titan insurance in Honolulu on your last policy you can probably find a better price now. You can find a lot of wrong information about Titan insurance online but in just a couple of minutes you can learn some excellent ideas to lower your car insurance premiums.

Companies offering Nissan Titan insurance in Honolulu

The providers in the list below have been selected to offer free rate quotes in Honolulu, HI. If several companies are displayed, we suggest you click on several of them to get a more complete price comparison.

Nissan Titan Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $162 $272 $270 $16 $80 $800 $67
Titan XE King Cab 2WD $224 $338 $338 $20 $102 $1,022 $85
Titan XE Crew Cab 4WD $122 $212 $278 $16 $84 $712 $59
Titan SE King Cab 4WD $122 $224 $300 $18 $90 $754 $63
Titan XE Crew Cab 2WD $170 $256 $340 $20 $102 $888 $74
Titan SE King Cab 2WD $130 $200 $340 $20 $102 $792 $66
Titan SE Crew Cab 4WD $198 $402 $248 $14 $74 $936 $78
Titan Pro-4X King Cab 4WD $184 $376 $320 $18 $96 $994 $83
Titan SE Crew Cab 2WD $246 $548 $430 $26 $128 $1,378 $115
Titan Pro-4X Crew Cab 4WD $256 $500 $358 $22 $106 $1,242 $104
Titan LE Crew Cab 4WD $214 $328 $346 $20 $104 $1,012 $84
Titan LE Crew Cab 2WD $258 $406 $330 $20 $100 $1,114 $93
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in specific location which can modify rates significantly.

Illustration showing the impact of accidents and violations

The information below illustrates how traffic citations and fender-benders can raise Nissan Titan auto insurance costs for different insured age categories. The data is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

You may qualify for discounts for Nissan Titan insurance in Honolulu

Auto insurance companies don't always advertise every disount available in an easy-to-find place, so the list below gives a summary of a few of the more common as well as some of the hidden credits that you can use to lower your rates.Save money with discounts

As is typical with insurance, most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To view providers with discount rates in Hawaii, click here.

What Affects Nissan Titan Insurance Costs?

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that come into play when calculating the level of your policy premiums. If you know what determines premiums, this enables you to make decisions that can earn you lower premium levels.

Auto insurance agents can find coverage gaps

Some consumers just want to talk to an insurance agent and that is a personal choice. One of the benefits of comparing rate quotes online is you can get lower rates but still work with a licensed agent. Supporting neighborhood agents is definitely important in Honolulu.

To find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to insurance agents in Honolulu that give free quotes for your car insurance coverage. You won't even need to search for an agent as quotes are delivered straight to your inbox. You can find lower rates AND an agent nearby. If for some reason you want to get a price quote from a specific insurance company, feel free to search and find their rate quote page to submit a rate quote request.

If you are wanting to find a reliable insurance agency, you should know the different types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Honolulu are either independent (non-exclusive) or exclusive.

Independent Car Insurance Agents (or Brokers)

Independent agencies are not required to write business for one company so they can write business with any number of different companies and help determine which has the cheapest rates. If your agent finds better pricing, they simply move your policy to a different company without you having to go to a different agency. When comparison shopping, you should always get rate quotes from several independent insurance agents so that you can do a thorough price comparison. They often place coverage with companies you've never heard of which can save you money.

Listed below is a list of independent agencies in Honolulu who may provide free car insurance rate quotes.

More Honolulu agents

Exclusive Insurance Agents

Agents in the exclusive channel can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are well trained on the products they sell which aids in selling service over price. Some consumers prefer to buy from exclusive agents mainly due to the prominent brand name instead of buying on price only.

The following is a list of exclusive agents in Honolulu who can help you get price quotes.

More Honolulu agents

Deciding on an car insurance agent requires you to look at more than just a cheap price quote. You should also get answers to these questions.

Save $416 a year! What?

Big name companies like State Farm, GEICO and Progressive seem to constantly run ads on TV and radio. They all make an identical promise that drivers can save some big amount after switching your coverage. Is it even possible that every company can charge lower premium rates? Just pay attention to how they say it.

Different companies require specific criteria for the right customer that earns them a profit. An example of this type of risk profile may need to be between the ages of 30 and 45, carries high limits, and drives less than 5,000 miles a year. Any driver that fits those parameters will qualify for the lowest car insurance rates in Honolulu and will most likely save quite a bit of money when switching.

Consumers who don't measure up to the requirements may be required to pay higher premiums and ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "everybody who quotes" save that much. That is how insurance companies can confidently make it sound like they have such great car insurance rates.

This really emphasizes why it is so important to compare price quotes frequently. It's just not possible to know the company that will have the lowest rates for your situation.

Get the best coverage at the most affordable price

In this article, we covered some good ideas how you can reduce Nissan Titan insurance rates online in Honolulu. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding the cheapest Nissan Titan rate quotes. You may even be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company.

As you go through the steps to switch your coverage, make sure you don't sacrifice coverage to reduce premiums. In too many instances, someone sacrificed liability coverage limits and learned later they didn't purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Some auto insurance companies may not offer online quoting and usually these smaller companies provide coverage only through local independent agents. Cheap Nissan Titan insurance in Honolulu can be sourced online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture.

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