2000 Honda Insight Car Insurance Cost

Trying to find the cheapest insurance rates for your Honda Insight? Have you had enough of scraping the payment together to keep your car insured? You are in the same boat as many other people.

Big-name insurance companies like State Farm, Progressive and GEICO continually bombard you with catchy ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

It’s important to do price comparisons on a regular basis because insurance prices change frequently. Even if you think you had the lowest price on Insight coverage six months ago you will most likely find a better rate today. You’ll find a ton of advice on insurance online but in this article, you’re going to get some solid techniques on how to stop overpaying for insurance.

How to compare auto insurance quotes

When comparison shopping, there are several ways to compare rate quotes from companies that offer auto insurance in your state. The easiest way to compare 2000 Honda Insight insurance prices consists of shopping online. This is very easy and can be done in a couple minutes as outlined below.

The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do multiple quote forms for every auto insurance company. One form will get you rate comparisons from multiple low-cost companies.

A less efficient way to obtain and compare quotes online requires a trip to each individual company website to request a price quote. For sake of this example, let’s assume you want to see prices from Auto-Owners, GEICO and Allstate. To get rate quotes you would need to go to each individual site and type in your information over and over, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The least recommended way to get price estimates is driving around to local insurance agencies. Comparing online rate quotes makes this process obsolete unless you prefer the trained guidance only provided by licensed agents. It is possible to comparison shop online and have a local agent actually service the policy.

It doesn’t matter which method you choose, just make sure you use the exact same coverage limits and deductibles for each quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to determine which company has the best rates. Quoting even small variations in insurance coverages can result in a big premium difference. Just remember that having more price comparisons increases the change that you will find a lower rate. Some insurance companies are not set up to provide online rate quotes, so you also need to get price estimates on coverage from those companies, too.

Earn discounts to get lower-cost auto insurance rates

Auto insurance can be pricey, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be specially asked for before being credited.

• Active Service Discounts – Being on active deployment in the military can result in better prices.
• Driver Safety – Participating in a safe driver course could possibly earn you a 5% discount depending on where you live.
• ABS Braking Discount – Cars and trucks equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
• Accident Forgiveness – This isn’t a discount exactly, but certain companies allow you one accident without raising rates if you have no claims for a specific time period.
• Save with a New Car – Buying a new car instead of a used car can save you some money because new model year vehicles keep occupants safer.
• No Claim Discounts – Insureds who avoid accidents and claims pay less in comparison with drivers who are more careless.
• Full Payment Discount – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
• Drivers Education – Require your teen driver to sucessfully take a drivers education course if it’s offered in school.
• Include Life Insurance and Save – Larger companies have a lower price if you buy life insurance from them.
• Discounts for Cautious Drivers – Insureds without accidents may save up to 50% more on Insight coverage than their less cautious counterparts.

Policy discounts save money, but many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, nobody gets a free ride. But all discounts will bring down your overall premium however.

If you would like to choose from a list of insurance companies who offer cheap auto insurance quotes, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation might need professional guidance.

• Exactly who is provided coverage by my policy?
• Should I have a commercial auto policy?
• Is a fancy paint job covered?
• Is my teen driver covered when they drive my company car?
• Do I need higher collision deductibles?
• Do I need added coverage for expensive stereo equipment?
• When does my teenage driver need to be added to my policy?
• Am I covered if I wreck a rental car?
• What if I owe more than I can insure my car for?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverages 101

Understanding the coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for things like EMT expenses, hospital visits, X-ray expenses and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your Insight caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, theft and vandalism. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, repair costs for stationary objects, court costs and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda Insight.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.