2006 Honda Insight Insurance Quotes – 7 Tips for Cheaper Rates

Have you finally had enough of sacrificing other expenses to buy insurance? Your situation is no different than many other consumers. Since vehicle owners have many insurance companies to choose from, it’s nearly impossible to pick a lower cost insurer.

It’s important to do price comparisons yearly because prices change frequently. Even if you got the best rate for Insight insurance a year ago the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance because you’re going to learn one of the quickest ways to find lower rates on insurance.

Buying more affordable insurance coverage is easy if you know what you’re doing. If you have a policy now or need new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Consumers just need to learn the proper way to shop their coverage around online.

Buy auto insurance online

Most larger insurance companies such as 21st Century, Allstate and State Farm provide coverage prices from their websites. Getting online quotes is pretty painless as you just type in into the form. After you complete the form, their system requests reports for credit and driving violations and quotes a price based on the information you submitted. This streamlines rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you want to get lower prices.

There is an easier way!

The smarter way to lower your rates uses just one form that gets prices from a lot of companies. It saves time, eliminates form submissions, and makes quoting online much easier. As soon as you send your information, it is rated and you can choose any of the quote results.

If you find a better price it’s easy to complete the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.

In order to fill out one form to compare multiple rates now, click here to open in a new tab and fill out the form. If you have coverage now, it’s recommended you replicate as close as possible to your current policy. This helps ensure you will have rate comparison quotes for the exact same coverage.

Seven discounts for cheap auto insurance rates

The price of auto insurance can be rather high, but you can get discounts that many people don’t even know exist. Certain credits will be shown when you complete an application, but a few need to be requested specifically before being credited.

  • Multiple Policy Discount – If you can combine your home and auto policy and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
  • Early Signing – Some insurance companies provide a discount for signing up before your current expiration date. It can save you around 10%.
  • Club Memberships – Affiliation with certain professional organizations could trigger savings on your next renewal.
  • More Vehicles More Savings – Having multiple cars on one policy can reduce rates for all insured vehicles.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Insight insurance with certain companies.

A quick disclaimer, some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, you won’t be that lucky.

Popular auto insurance companies and a partial list of their discounts are:

  • Mercury Insurance offers premium reductions for anti-theft, location of vehicle, accident-free, multi-policy, good student, and type of vehicle.
  • Farmers Insurance may have discounts that include alternative fuel, distant student, bundle discounts, good student, teen driver, and switch companies.
  • Farm Bureau may offer discounts for youthful driver, multi-vehicle, renewal discount, safe driver, good student, driver training, and multi-policy.
  • State Farm policyholders can earn discounts including multiple policy, multiple autos, Steer Clear safe driver discount, driver’s education, student away at school, and safe vehicle.
  • Allstate has savings for EZ pay plan discount, good payer, anti-theft, senior citizen, auto/life discount, and utility vehicle.
  • GEICO may include discounts for good student, anti-lock brakes, multi-policy, military active duty, and seat belt use.

If you need lower rates, check with each company or agent which discounts you qualify for. Savings may not apply in your area.

You may need specialized car insurance coverage

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is the rate difference between pleasure use and commuting?
  • What is covered by UM/UIM coverage?
  • Is my teenager covered with friends in the car?
  • Should I drop comprehensive coverage on older vehicles?
  • Does medical payments coverage apply to all occupants?
  • Are my friends covered when driving my 2006 Honda Insight?
  • Is motorclub coverage worth it?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Well known brands might not be cheapest

Drivers constantly see and hear ads that claim the cheapest prices from companies such as 21st Century, Allstate and State Farm. All the companies try to convey promises about how much you will save if you move your policy.

How does every company say the same thing? This is how they do it.

Many companies have underwriting criteria for the type of driver they prefer to insure. An example of this type of risk profile should be between the ages of 40 and 55, has never had a policy lapse, and drives less than 10,000 miles a year. Any driver that matches those criteria is entitled to the best price and will save a lot if they switch.

Potential insureds who do not fit the “perfect” profile will probably have to pay a more expensive rate which usually ends up with the customer buying from someone else. The ad wording is “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently make it sound like they have such great prices.

This illustrates why drivers should do a price quote comparison at every renewal. It’s just not possible to know which insurance companies will fit you best based on your risk profile.

Car insurance policy specifics

Knowing the specifics of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, theft, damage from a tornado or hurricane, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This coverage pays for damage to your Insight resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, crashing into a building, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability car insurance

This can cover damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, repair bills for other people’s vehicles, emergency aid and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for chiropractic care, hospital visits, dental work and doctor visits. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Don’t be a big spender

In this article, we covered a lot of ways to get a better price on 2006 Honda Insight insurance. The key thing to remember is the more you quote auto insurance, the higher the chance of saving money. Consumers may even find the lowest premium rates come from some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Budget-friendly auto insurance is possible on the web and from local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide price quotes online and many times these small, regional companies sell through local independent agencies.

To read more, feel free to visit the articles below: