Who Has Cheap Insurance Quotes for a Nissan Sentra in Hawaii?

Whether or not you can find the cheapest car insurance for a Nissan Sentra in Hawaii depends on many rating factors like how far you commute, if you have prior claims, and driving citations. Hawaii drivers pay around $650 per year to buy Nissan Sentra insurance, but that figure is an estimation calculated based on a 50-year-old single female driver that has full coverage including both comprehensive and collision and $1,000 deductibles.

The problem with using this number is the good chance you are not 50 and possibly not even female, married instead of single, or maybe your Hawaii zip code is rated higher than the example. Making minor changes in the rating criteria used to formulate rates can make a large difference in the price of a policy.

There is no one cookie-cutter policy that works for everyone, so your best chance at finding cheap insurance rates for your Nissan is to make a habit of regularly comparing rates from other companies. Rate quotes are easy and you will be able to compare rates from some of the best companies that insure Nissan vehicles in Hawaii.

Compare Nissan Sentra Insurance Rates

The trim level of your Sentra will be a contributing factor to the insurance rate, so the price you pay to insure a Sentra 2 model will be $90 cheaper than the cost to insure the fancier Sentra SE-R SPEC V model, as shown in the prices below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in your specific Hawaii location which can alter price quotes greatly.

Trying to buy affordable insurance is hard enough, and figuring out which companies have the best car insurance rates for a Nissan Sentra will require additional perseverance. Every insurance provider has their own formula for determining prices, so we’ll take a look at the most competitive car insurance companies in Hawaii.

It’s a good idea to know that Hawaii car insurance rates are based on many factors that will increase or decrease the price you have to pay. Improving your credit score, buying a different vehicle, or having an accident can produce rate changes resulting in some companies being affordable when they were higher priced.

Cheap Insurance Rates for Your Sentra

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USAA quotes some of the best car insurance rates in Hawaii at around $926 each year. State Farm, GEICO, Liberty Mutual, and Progressive also are some of the best Hawaii insurance companies.

As shown in the rates above, if you are currently insured with Liberty Mutual and switched to USAA, you could realize an annual savings of approxmiately $523. Policyholders with Progressive may save as much as $650 a year, and First of Hawaii customers might realize rate reductions of up to $1,002 a year.

To find out how much you can save, click here to get quotes or quote rates from the companies below.

Understand that those prices are averages for all insureds and vehicles and do not factor in a specific rating modification for a Nissan Sentra. So the company that has the lowest price for you may not even be shown in the above list. That’s why you need to get car insurance quotes using your own personal information and vehicle type.

Cautious Hawaii drivers save money

A great way to obtain the cheapest car insurance premiums in Hawaii for a Sentra is to drive safely and not get tickets or have accidents. The information below demonstrates how traffic citations and at-fault collisions can impact auto insurance costs for different age groups. The premiums are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

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In the prior example, the average cost of auto insurance in Hawaii per year with no accidents and a clean driving record is $1,445. Receive two speeding tickets and the average cost increases to $2,062, an increase of $617 each year. Now get one accident along with the two speeding tickets and the annual cost of car insurance for a Nissan Sentra jumps again to an average of $2,698. That’s an increase of $1,253, or $104 per month, just for being a little careless behind the wheel!

Which auto insurance company is best?

When shopping for insurance for a Sentra, four of the larger companies to compare rates for are Allstate, Geico, Progressive, and State Farm. Between them, they make up almost half of the car insurance market in the United States. All of them have unique coverages that may influence your buying decision. The data below ranks some of the different options and features offered by each company.

Best cheap Nissan Sentra insurance quotes

There are many ways to purchase car insurance in Hawaii, but the most common ways are through an independent insurance agent, a captive (or exclusive) agent such as Allstate or State Farm, or buying direct from a company like Progressive or Geico.

They all have the same basic principle, but buyers need to know the differences in how they provide rate quotes.

Independent insurance agencies are appointed by several companies and can compare rates with every one. These types of agencies are not restricted to one company and can provide you with more rate quotes, which may provide you with a better overall rate comparison. If your premiums go up, your policy can be moved and you can keep the same agent.

Exclusive agents are limited to one insurance company, two examples are a State Farm or Liberty Mutual agent. These agents usually cannot quote prices from more than just one company, so keep that in mind.

Car insurance from a direct company means you bypass local agents and buy from a direct company like Geico. This option may be good for people who do not have a complex risk profile and understand what car insurance covers.

So which one of the three ways works best to buy cheap insurance for a Nissan Sentra in Hawaii? The majority of people assume that shopping direct saves the most money because you bypass the agent, but that is generally not the case. We could also assume that going through an independent agent is the best way to save because you have more choices, but again, it’s not a sure thing. And often times, exclusive agencies have coverage prices that are the cheapest in Hawaii.

Due to the large number of rating factors, the best way to not overpay for car insurance is to compare, compare, and compare some more. If you have the time, get price quotes all three ways to get an idea of which is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.