2006 Honda Element Insurance Quotes – 9 Tips to Save

Looking for better auto insurance rates for your Honda Element? Finding better insurance prices for a Honda Element could be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to get price quotes for a new or used Honda and obtain the cheapest rates.

Consumers should take time to check auto insurance prices on a regular basis because rates change regularly. Even if you think you had the lowest price on Element insurance six months ago other companies may now be cheaper. So forget anything you know (or think you know) about auto insurance because you’re going to learn the tricks you need to know to remove unneeded coverages and save money.

Shopping for cheaper protection is not that difficult. If you have a current insurance policy or are looking for a new policy, you can learn to cut your premiums and possibly find even better coverage. Vehicle owners just need to understand the proper way to compare price quotes on the web.

Pay less by taking advantage of these nine discounts

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Most are applied at the time of purchase, but less common discounts must be specially asked for before you get the savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
  • Accident Free – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Memberships – Participating in a qualifying organization could qualify you for a break on your policy on Element insurance.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.

For a list of providers with discount car insurance rates, follow this link.

How to Compare Insurance Coverage Costs

Effectively comparing insurance coverage prices can be a daunting task if you don’t utilize the best way to get rate quotes. You can spend countless hours talking to insurance agencies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and each participating company can provide price quotes for coverage. This eliminates the need for repetitive form submissions for every insurance coverage company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose the providers to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

However you get your quotes, make sure you use the exact same deductibles and coverage limits for every company. If you have unequal deductibles or liability limits you can’t possibly truly determine the lowest rate.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your situation will benefit from professional help.

  • Is a new car covered when I drive it off the dealer lot?
  • Is extra glass coverage worth it?
  • Does my policy pay for OEM or aftermarket parts?
  • What can I do if my company won’t pay a claim?
  • Am I covered when driving a rental car?
  • Do I need replacement cost coverage?
  • What vehicles should carry emergency assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage specifics

Understanding the coverages of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for prosthetic devices, hospital visits, EMT expenses, chiropractic care and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Element.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive auto insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, hail damage and theft. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Element resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, scraping a guard rail, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical services, bail bonds, medical expenses, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Pennies from heaven

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, denial of a claim and even questionable increases in premium. Whatever your reason, finding a new company can be less work than you think.

We just covered a lot of techniques to reduce 2006 Honda Element insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from the least-expected company.

Low-cost insurance can be bought on the web as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

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