2014 Honda Insight Insurance Quotes

Searching for better car insurance rates for your Honda Insight? Having to pay for overpriced Honda Insight insurance can dwindle your accounts and force you to prioritize other expenses. Many insurance companies vie to insure your vehicles, so it can be very hard to choose a insurer and get the definite lowest rate

Cut your car insurance rates with discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that can drop the cost substantially. A few discounts will be applied at the time of purchase, but once in a while a discount must be asked for in order for you to get them.

  • Early Payment Discounts – By paying your entire bill at once rather than paying monthly you could save up to 5%.
  • Homeowners Discount – Just being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Paper-free Discount – Certain car insurance companies may give you up to $50 for completing your application on your computer.
  • Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Telematics Devices – Drivers that enable their company to scrutinize driving patterns by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as they are good drivers.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Membership in Organizations – Belonging to a qualifying organization can get you a small discount on your policy.

You should keep in mind that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, you aren’t that lucky. But all discounts should definitely cut your policy premiums.

Larger car insurance companies and their offered discounts include:

  • GEICO may include discounts for federal employee, anti-theft, multi-policy, seat belt use, and air bags.
  • MetLife offers discounts for good driver, claim-free, accident-free, good student, defensive driver, and multi-policy.
  • State Farm offers premium reductions for good student, safe vehicle, good driver, Steer Clear safe driver discount, and anti-theft.
  • Progressive may have discounts that include continuous coverage, multi-vehicle, homeowner, online quote discount, good student, and multi-policy.
  • Mercury Insurance includes discounts for low natural disaster claims, good driver, annual mileage, type of vehicle, location of vehicle, and multi-policy.
  • 21st Century policyholders can earn discounts including driver training, good student, anti-lock brakes, student driver, early bird, automatic seat belts, and teen driver.
  • Allstate has savings for premier discount, multi-policy, anti-theft, anti-lock brakes, eSmart discount, and new car.

If you want low cost insurance coverage quotes, ask each company which discounts can lower your rates. Some credits may not apply to policies in your area.

Which auto insurance is cheapest?

Most major insurance companies allow you to get pricing directly from their websites. Doing online price comparisons doesn’t take a lot of time as you simply type in the coverages you want into the quote form. Once you submit the form, their rating system requests your credit score and driving record and returns a price based on many factors. This helps simplify price comparisons, but the time it takes to visit different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to do this if you are searching for the lowest auto insurance rates.

An easier way to locate the lowest prices uses just one form that analyzes rates from a lot of companies. It saves time, eliminates form submissions, and makes rate comparisons much easier to do. As soon as the form is sent, it gets priced and you are able to buy any or none of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to fill out one form to compare multiple rates now, click here and enter your information. To compare your current rates, we recommend that you enter the coverages exactly as shown on your declarations page. This helps ensure you will be getting an apples-to-apples comparison for similar insurance coverage.

Insurance rates are influenced by these factors

The best way to find cheaper car insurance is to take a look at the different types of things that come into play when calculating car insurance rates. When you understand what determines base rates, this allows you to make good choices that can earn you lower car insurance prices. Many different elements are used when you quote your car insurance policy. Some factors are common sense like an MVR report, but other criteria are not as apparent like your continuous coverage or how safe your car is.

The following are a few of the “ingredients” companies use to determine your premiums.

  • Insurance is expensive for teen drivers – Teenage drivers tend to be easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. Older drivers are more responsible, file fewer claims , and usually have better credit.
  • Do females or males drive better? – Over time, data shows that women are safer drivers than men. However, this does not mean women are better drivers. Females and males cause at-fault accidents in similar percentages, but the men cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
  • Your liability insurance limits – The liability coverage on your policy will afford coverage if you are found liable for damages caused by your negligence. Your liability coverage provides legal defense to defend your case. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Safer occupants lowers prices – Cars with high safety ratings get lower rates. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity means your insurance company pays less passed on to you as lower rates.
  • Accidents hurt – Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Getting just one speeding ticket or other violation could increase your next policy renewal by as much as twenty percent. People who have multiple citations like hit and run, DWI or reckless driving convictions are required to prove financial responsibility with their state motor vehicle department in order to continue driving.
  • Your employer may affect rates – Did you know that where you work can have an impact on rates? Jobs like military personnel, social workers and miners have higher rates than average attributed to stressful work requirements and lots of time spent away from family. On the other hand, professions such as farmers, historians and the unemployed pay the least on Insight coverage.
  • How many miles do you drive? – Driving a lot of miles in a year’s time the higher your rate. Most companies calculate prices based upon how much you drive. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. It’s a smart idea to ensure your vehicle rating is showing annual mileage. Improper usage on your Insight can cost quite a bit.
  • Bad credit will cost you – Having a bad credit score factor in determining what you pay for car insurance. If your credit score could use some work, you may save money insuring your 2014 Honda Insight by improving your rating. Drivers who have high credit scores tend to be more responsible than drivers with lower credit scores.

You are unique and your insurance should be too

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if you would benefit from an agent’s advice.

  • Is a blown tire covered by insurance?
  • When should I buy a commercial auto policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does medical payments coverage apply to all occupants?
  • Why do I only qualify for high-risk insurance?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Honda Insight.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto liability – Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, structural damage and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for funeral costs, EMT expenses, prosthetic devices, nursing services and hospital visits. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, damage from flooding, hitting a bird, hail damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Affordable insurance is out there

We just showed you some good ideas how to reduce 2014 Honda Insight insurance premium rates online. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. Drivers may discover the most savings is with an unexpected company. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate or State Farm.

Some companies do not offer internet price quotes and most of the time these small, regional companies only sell coverage through local independent agents. Cheaper 2014 Honda Insight insurance can be sourced both online and from local agencies, and you should compare rates from both to have the best selection.

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, someone dropped full coverage to discover at claim time that it was a big error on their part. Your strategy should be to purchase plenty of coverage for the lowest cost.

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