Cheap 2011 Honda Insight Insurance Cost

Want cheaper insurance coverage rates for your Honda Insight? I can’t think of anyone who likes having to buy insurance coverage, particularly when their premiums are through the roof.

Popular companies such as State Farm, Geico and Farmers Insurance persitently shower you with catchy ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is easy if you know what you’re doing. Although drivers do need to know how insurance companies sell online.

Save with discounts on 2011 Honda Insight insurance

Auto insurance companies don’t always list all available discounts very clearly, so we researched both the well known as well as the least known discounts you could be receiving.

  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Insight coverage than drivers with accidents.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

Car insurance companies that may offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts may not apply in your state.

The quickest method we recommend to get rate comparisons is to realize most of the bigger providers participate in online systems to compare rate quotes. To start a quote, the only thing you need to do is provide information including marital status, an estimate of your credit level, level of coverage desired, and driver ages. That rating information is instantly sent to multiple insurance providers and they return rate quotes immediately.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions can aid in determining if your insurance needs might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Where can I find DUI or SR-22 insurance?
  • How can I get my company to pay me more for my totalled car?
  • Does insurance cover tools stolen from my truck?
  • How do I file an SR-22 for a DUI in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverages explained

Knowing the specifics of insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Coverage for liability – This can cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Collision – Collision insurance will pay to fix damage to your Insight from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as dental work, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Insight.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, damage from getting keyed, falling objects and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Spend less. Save more.

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut liability coverage limits only to find out that they should have had better coverage. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

You just read some good ideas how to reduce 2011 Honda Insight insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

The cheapest insurance is possible on the web in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide online quoting and these smaller companies work with independent agents.

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