View 2013 Honda Insight Car Insurance Quotes

Trying to find better car insurance rates for your Honda Insight? Locating budget car insurance on the web may at first seem to be problematic for consumers not familiar with comparing and buying car insurance on the web. With such a big selection of agents and online companies, how are consumers able to have a chance to compare each option to find the lowest rates?

You need to get comparison quotes periodically because insurance rates are constantly changing. Just because you found the best deal on Insight coverage a year ago you will most likely find a better price today. Forget all the misinformation about car insurance because you’re going to learn one of the best ways to find better rates and still maintain coverage.

If you have car insurance now, you will be able to cut costs considerably using these methods. Buying affordable coverage is easy if you know what you’re doing. But consumers can benefit by having an understanding of how big insurance companies determine prices because it can help you find the best coverage.

Compare insurance rate quotes online

Comparing insurance rates can be exhausting if you don’t understand the fastest way to get free quotes. You can spend your afternoon driving to local insurance agents in your area, or you can utilize the web for quick rates.

Many insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and each company then returns a price quote based on the submitted data. This system prevents you from having to do quotation requests for every insurance company. To find out how much you’re overpaying now click here to start a free quote.

The only drawback to doing it this way is that you can’t choose which companies to get quotes from. If you wish to select specific insurance companies for rate comparison, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but ensure you’re using apples-to-apples quote data for each comparison quote. If each company quotes different coverage information it will be very difficult to find the best deal for your Honda Insight. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, getting more free quotes will improve the odds of getting better pricing.

Start a Quote Now

Take advantage of every auto insurance discount

Some insurance providers don’t necessarily list all possible discounts very clearly, so below is a list some of the best known and also the lesser-known savings tricks you should be using when you buy auto insurance online.

Data Collection Discounts – Drivers that enable companies to monitor driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as the data is positive.
Discounts for Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates on Insight coverage as compared to drivers with claims.
Home Ownership Discount – Owning your own home or condo can help you save on auto insurance because it requires personal responsibility.
Professional Organizations – Joining qualifying clubs or civic groups could earn you a nice discount on your policy.
Early Payment Discounts – By making one initial payment instead of paying each month you could save 5% or more.
Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
Online Discount – A few larger companies will give a small break for buying your policy on their website.
Accident Waiver – This one is not really a discount per se, but some insurance companies permit an accident before your rates go up with the catch being you have to be claim-free for a set time period.

A quick disclaimer, some credits don’t apply the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

If you would like to view providers that provide some of the discounts listed above, follow this link.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can help discover if your insurance needs could use an agent’s help.

Is my state a no-fault state?
Am I covered when delivering products for my home-based business?
What vehicles should carry emergency assistance coverage?
Do I have coverage when using my vehicle for my home business?
Do all my vehicles need collision coverage?
Is my business laptop covered if it gets stolen from my vehicle?
Can my teen drive my company car?
Am I covered when driving in Canada or Mexico?
What if I don’t agree with a claim settlement offer?

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 agent. To find lower rates from a local agent, simply complete this short form.

How insurers determine Honda Insight insurance premiums

A large part of saving on auto insurance is knowing some of the things that help calculate your policy premiums. If you know what determines premiums, this helps enable you to make changes that could result in much lower annual insurance costs. Many things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but other criteria are less apparent such as whether you are married or your financial responsibility.

Gender and insurance premiums – Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn’t prove that males are worse at driving than females. Both sexes get in accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to get higher numbers of serious violations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
Get better costs if you’re married – Walking down the aisle can get you a discount on your auto insurance bill. It generally demonstrates drivers are more mature and statistics prove drivers who are married file infrequent claims.
Youthful vs. experienced drivers – Beginning drivers have a tendency to be careless and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher. Parents adding a teenage driver to your policy will cause a huge premium hike. Older insureds are shown to be more cautious, tend to file fewer claims and tend to be get fewer driving tickets.
Tickets will cost you – Drivers who don’t get tickets get better prices compared to drivers with tickets. Only having one speeding ticket or other violation can boost insurance rates by twenty percent. Drivers who have received license-revoking violations like DUI or reckless driving may face state-mandated requirements to prove financial responsibility with their state in order to prevent a license revocation.
Lower prices with theft deterrents – Choosing to buy a car with a theft deterrent system can earn a premium discount. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.

Detailed coverages of your auto insurance policy

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for prosthetic devices, doctor visits, chiropractic care, hospital visits and nursing services. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Insight.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage, damage from flooding, a tree branch falling on your vehicle and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision insurance pays for damage to your Insight caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car, hitting a mailbox, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverage

This provides protection from damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as repair costs for stationary objects, structural damage, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Never pay more for less

When you buy auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed physical damage coverage to discover at claim time that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.

You just learned a lot of information how to reduce 2013 Honda Insight insurance premium rates online. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. You may even discover the lowest premium rates are with a lesser-known regional company.

Discount 2013 Honda Insight insurance can be bought both online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies may not provide online rate quotes and usually these regional insurance providers prefer to sell through local independent agencies.

To learn more, link through to these articles: