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Honda Element Insurance Rates

You have lots of choices when comparing insurance rates on your Honda vehicle. You can either buy through an insurance agent or go online to check prices from insurance providers. Finding cheaper auto insurance by comparing rates online can be fast and easy and at the same time you may find lower rates.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies selling insurance. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Insurance premiums on a Honda Element will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance Element vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older Honda models so the cost to replace them will push premiums up. Conversely, newer vehicles have more advanced features such as forward-collision avoidance, adaptive cruise control, and active head restraints so those may give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Element from available model years below.

Auto liability insurance - This coverage can cover damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverages - This covers damage to your Honda resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your Element can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive insurance - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Honda Element Insurance Rates?