Compare 2017 Honda Clarity Insurance Rates

Looking for better car insurance rates for your Honda Clarity? Having to pay for high-priced Honda Clarity insurance can sap your funds and put a big crunch on your finances. Getting a rate comparison can help to make sure you’re not throwing money away.

Companies like Allstate, Progressive and GEICO constantly bombard you with advertising and it can be hard to avoid their marketing magic and find the best price available.

Smart consumers take time to compare premium rates every six months due to the fact that insurance prices are usually higher with each renewal. Even if you got the best deal on Clarity coverage a couple years back you may be paying too much now. Ignore everything you know about car insurance because we’re going to demonstrate the tricks you need to know to properly buy coverages while reducing your premium.

How car insurance companies calculate Honda Clarity insurance prices

Many factors are used when you get your auto insurance bill. Most are fairly basic such as your driving history, although some other factors are less obvious such as whether you are married or your commute time.

  • Increase comp and collision deductibles and save – Deductibles for physical damage state the amount of money you are willing to pay before your auto insurance pays a claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be rearending another vehicle, damage caused by hail, or theft of your vehicle. The more the insured has to pay upfront, the less your company will charge you for insurance on Clarity coverage.
  • Rates increase with driving citations – Careful drivers get better rates as compared to careless drivers. Getting just one moving violation can increase rates forty percent or more. Drivers with careless citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to file a SR-22 with the DMV in their state in order to continue driving.
  • Married drivers pay less – Being married may cut your premiums on auto insurance. Marriage generally demonstrates drivers are more stable financially and it’s statistically proven that drivers who are married are more cautious.
  • Lower premiums with alarm systems – Choosing a vehicle that has a built-in theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft.
  • Save money by having excellent credit – An insured’s credit score factor in your rate calculation. Insureds that have excellent credit tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit score is low, you could be paying less to insure your 2017 Honda Clarity by repairing your credit.

Compare free insurance quotes

To find the best insurance prices, there are several ways to compare rate quotes from many available insurance companies in your state. One of the best ways to compare 2017 Honda Clarity insurance prices is to use the internet to compare rates. This is quite simple and can be completed by using one of the methods below.

  • The simplest way to get quotes is an all-inclusive rate comparison click to view form in new window. This style of form saves time by eliminating separate quotation requests for every prospective company. Filling out one form gets prices estimates from all major companies.
  • A slightly less efficient method to analyze rates requires you to visit the website of each company to request a price quote. For instance, we’ll pretend you are doing a rate comparison from Nationwide, State Farm and Allstate. You would be required to spend time on each company’s site and enter your policy data, which can get old fast. To view a list of companies in your area, click here.

The method you choose is up to you, but try to keep the exact same coverage data on every quote. If each company quotes higher or lower deductibles you will not be able to determine the best price for your Honda Clarity. Just a small difference in limits can make a big difference in price. Keep in mind that comparing more rates from different companies will increase your chances of finding the best offered rates. Some companies don’t provide rate quotes online, so it’s important to also get prices on coverage from those companies, too.

Smaller companies may have the best rates

Big name companies like Allstate, GEICO and Progressive regularly use television, radio, and online ads. All the ads make an identical promise that you can save if you get a free insurance quote and switch your coverage to them. How does every company have lower policy pricing? Here is how they do it.

All the different companies quote their best rates for the type of driver that will add to their bottom line. For instance, a driver they prefer might have to be over the age of 35, has no claims, and drives less than 5,000 miles a year. Any customer that meets those criteria receive the lowest rate quotes and will also save quite a bit of money when switching.

Potential customers who are not a match for these stringent criteria will be charged a higher rate which translates to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” save that much when switching. That is how companies can truthfully make claims that they all have the best rates.

Different companies use different criteria so drivers must compare as many free insurance quotes as you can. It’s just not possible to know which company will provide the lowest prices.

Don’t overlook these insurance coverage discounts

Car insurance companies do not advertise every discount very clearly, so the list below details both the well known and the harder-to-find savings tricks you should be using when you buy insurance online. If you’re not getting every credit available, you could be getting lower rates.

  • Early Payment Discounts – By paying your entire bill at once rather than paying monthly you could save 5% or more.
  • Defensive Driving Course – Taking a driver safety class can save you 5% or more and easily recoup the cost of the course.
  • Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on Clarity coverage with certain companies.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and will save you 10% or more.
  • Telematics Devices – Drivers that enable their company to analyze vehicle usage by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as the data is positive.
  • Air Bag Discount – Cars that have air bags can receive discounts as much as 30%.
  • One Accident Forgiven – This one isn’t a discount, but some companies like State Farm, Progressive and GEICO will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you better insurance coveragerates if you take out a life policy as well.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations may earn a discount on your next insurance coverage statement.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.

For a list of providers who offer free insurance coverage quotes, click here to view.

When to get professional advice

When choosing coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can help discover whether or not you will benefit from professional help.

  • When does my teenage driver need to be added to my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Why do I only qualify for high-risk insurance?
  • Does insurance cover tools stolen from my truck?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage if my license is suspended?
  • Where can I find high-risk insurance?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Auto collision coverage

Collision coverage pays for damage to your Clarity caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, backing into a parked car, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, court costs, pain and suffering and medical expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, vandalism, damage from getting keyed, falling objects and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, funeral costs, ambulance fees, EMT expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

Affordable 2017 Honda Clarity insurance can be purchased from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not offer rates over the internet and many times these smaller providers only sell through local independent agencies.

You just read a lot of information how to lower your 2017 Honda Clarity insurance premium rates. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the best price on auto insurance is with the least-expected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced liability coverage limits only to find out that the savings was not a smart move. Your goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

To read more, take a look at these articles: