2018 Honda Clarity Insurance Quotes – 8 Savings Tips

Searching for cheaper car insurance rates for your Honda Clarity? I doubt anyone looks forward to paying premiums for car insurance, especially when they could get a better deal. Many insurers compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive cheapest price

It’s a good habit to price shop coverage yearly since prices are variable and change quite frequently. Even if you got the best deal for Clarity insurance six months ago you can probably find a lower rate today. There are lots of tips to save on car insurance on the internet, but you can learn some tested techniques to buy car insurance cheaper.

If you are insured now or are just looking to switch companies, you can use these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is quite easy. Consumers just need to understand the most efficient way to get comparison rates over the internet.

How to compare insurance rate quotes

Getting a cheap price on 2018 Honda Clarity insurance is surprisingly easy. Consumers just need to spend a few minutes on the computer comparing free insurance quotes online from several insurance companies. It is quite easy and can be accomplished by following the guidelines below.

  1. The most recommended method to get quotes is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing a different quote for each price estimate. A single, simple form gets you coverage quotes from multiple companies.
  2. A more time consuming way to find lower rates requires you to visit the website of each company and complete a new quote form. For examples sake, let’s say you want to compare prices for Liberty Mutual, Geico and American Family. To do that, you would have to spend time on each company’s site and punch in your information repeatedly, which is why the first method is more popular. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using identical information for every quote you compare. If the quotes have different values for each quote you will not be able to decipher which rate is best.

Drivers can save with these eight discounts

Properly insuring your vehicles can get expensive, but there are discounts available that can dramatically reduce your bill. Certain discounts will be triggered automatically at quote time, but once in a while a discount must be asked about prior to getting the savings.

  • Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course in school.
  • Military Rewards – Having an actively deployed family member could be rewarded with lower prices.
  • Defensive Driver Discounts – Taking part in a defensive driver course could cut 5% off your bill and easily recoup the cost of the course.
  • Paper-free Discount – A few larger online companies provide a small discount for buying your policy digitally online.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and therefore earn up to a 10% discount.
  • College Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have a car can receive lower rates.
  • Discount for Swiching Early – A few auto insurance companies give discounts for renewing your policy before your current coverage expires. It’s a savings of about 10%.
  • Auto/Home Discount – If you combine your auto and homeowners policies and insure them with the same company you could save up to 20% off your total premium.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Popular auto insurance companies and the discounts they provide are shown below.

  • Progressive discounts include homeowner, good student, online signing, multi-vehicle, online quote discount, and continuous coverage.
  • The Hartford has savings for defensive driver, vehicle fuel type, air bag, bundle, and anti-theft.
  • Mercury Insurance has discounts for location of vehicle, good student, age of vehicle, ease of repair, and low natural disaster claims.
  • Geico policyholders can earn discounts including daytime running lights, defensive driver, anti-theft, anti-lock brakes, driver training, multi-vehicle, and military active duty.
  • AAA may offer discounts for good student, pay-in-full, multi-car, good driver, AAA membership discount, and multi-policy.
  • State Farm may include discounts for driver’s education, defensive driving training, student away at school, multiple autos, good driver, and Steer Clear safe driver discount.

It’s a good idea to ask all companies you are considering how many discounts you can get. Some discounts listed above might not be offered on policies in every state. To view providers with the best auto insurance discounts, click this link.

Special considerations

When choosing adequate coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining if your situation might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is motorclub coverage worth it?
  • What is the minimum liability in my state?
  • Should I have combined single limit or split liability limits?
  • Should I waive the damage coverage when renting a car?
  • Is my dog or cat covered if injured in an accident?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Can I rent a car in Mexico?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance policy coverages for a 2018 Honda Clarity

Learning about specific coverages of insurance aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, prosthetic devices, pain medications and funeral costs. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision protection

Collision coverage covers damage to your Clarity resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, damaging your car on a curb, crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2018 Honda Clarity.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Auto liability insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, medical services, pain and suffering, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, damage from getting keyed, fire damage and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Power to the consumer

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

Affordable 2018 Honda Clarity insurance can be found from both online companies and from local insurance agents, so you need to quote insurance with both to have the best selection. Some companies may not offer online price quotes and many times these smaller companies work with independent insurance agents.

More tips and info about insurance coverage is located at these sites: