2002 Honda Insight Insurance Cost

Searching for the cheapest insurance rates for your Honda Insight? Sick and tired of being strong-armed to pay high insurance rates every month? Your situation is no different than millions of other drivers. Companies like Geico and Progressive continually hit you with catchy ads and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

How to get the cheapest car insurance

Getting a cheaper price on 2002 Honda Insight insurance is an easy way to save money. You just have to spend a few minutes getting comparison quotes to find the company with low cost insurance coverage quotes. Insurance prices can be quoted using a couple different methods.

  1. The recommended way consumers can analyze rates is a comparison rater form click here to open form in new window. This type of form keeps you from doing repetitive form entry for each company. Completing one form will return price quotes from multiple companies.
  2. A slightly less efficient method to find lower rates is to manually visit the website of each company to request a price quote. For instance, let’s assume you want to compare Geico, Allstate and American Family. To find out each rate you need to go to each individual site and punch in your information repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to keep equivalent information with every price quote. If you use higher or lower deductibles you will not be able to make a fair rate comparison.

Reduce your insurance rates with discounts

Some companies don’t necessarily list every discount they offer very well, so the list below details some of the more common and also the lesser-known insurance savings.

  • Responsible Driver Discount – Insureds who avoid accidents can save as much as half off their rates for Insight insurance than drivers with accidents.
  • Paperwork-free – Many insurance companies will give you a small discount for buying your policy on their website.
  • Waiver for an Accident – Not really a discount, but companies like Allstate and Progressive will turn a blind eye to one accident without getting socked with a rate hike if you have no claims prior to being involved in the accident.
  • Own a Home – Owning your own home or condo may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
  • Include Life Insurance and Save – Some insurance carriers give a discounted price on car insurance if you buy some life insurance too.
  • Buy New and Save – Buying insurance on a new vehicle can be considerably cheaper because new model year vehicles keep occupants safer.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

The best insurance companies and a summarized list of policyholder discounts are detailed below.

  • State Farm offers premium reductions for multiple policy, driver’s education, passive restraint, multiple autos, defensive driving training, accident-free, and good student.
  • Esurance has discounts for online quote, good student, anti-theft, multi-car, defensive driver, emergency road assistance, and Switch & Save.
  • Progressive policyholders can earn discounts including continuous coverage, online signing, online quote discount, good student, multi-policy, and multi-vehicle.
  • Liberty Mutual offers discounts for exclusive group savings, new graduate, multi-car, hybrid vehicle, good student, and new move discount.
  • Auto-Owners Insurance may have discounts that include company car, safe vehicle, air bags, paperless, multi-policy, and student away at school.
  • Geico may include discounts for anti-theft, anti-lock brakes, multi-policy, emergency military deployment, driver training, and air bags.

If you need lower rates, check with all the companies how you can save money. Some credits may not be offered in every state. For a list of insurers with the best insurance discounts, click here.

You are unique and your insurance coverage should be too

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can aid in determining if you could use an agent’s help.

  • Do I need motorclub coverage?
  • What is the ISO rating for a 2002 Honda Insight?
  • How do I file an SR-22 for a DUI in my state?
  • Is my trailer covered?
  • Does my car insurance cover rental cars?
  • How can I force my company to pay a claim?
  • Who is covered when they drive my 2002 Honda Insight?
  • What if I total my 2002 Honda Insight and owe more than it’s worth?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Learn about insurance coverages for a 2002 Honda Insight

Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, fire damage, hitting a deer, rock chips in glass and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage pays for damage to your Insight caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses such as funeral costs, surgery, prosthetic devices and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t 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. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, medical services, attorney fees and medical expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comments About 2002 Honda Insight Insurance

  1. Lashandra Sawyer

    When do I drop full coverage?

  2. Rocky Guerra

    I’ve bought from 21st Century forever. Cheapest rates in Rochester, NY.

  3. Elmira Fields

    Does Progressive do SR22s in North Dakota?

  4. Honey Mcfadden

    I live just outside Las Vegas, NV. Got rates from AAA, Esurance, and Safeco for my Honda and I’m now saving $20 a month. I get a discount for insuring multiple vehicles. Next renewal I’ll just do liability.

  5. Jordan Graves

    Well-written and thought out article. I live on the south side of Augusta, GA. Got rates from Allstate, Farmers, and Liberty Mutual for my 2002 Honda Insight and I think I saved around $20 each month. I’m a pretty good driver though. Might find lower rates online.

  6. Toccara Abbott

    From northwest of Lincoln, NE. Got free quotes online for a 2002 Honda Insight. Ended up at about $110 savings annually. Went with 21st Century. Left Esurance to switch. Not sure about claim service. Liability only on my Insight.

  7. Tiera Blackwell

    Like your site, BTW. Lifelong resident of Milwaukee, WI. Quoted rates from Hartford, American Family, Sentry, and a couple others for my Insight and saved $92 a year. I think they have home insurance too. Might find lower rates online. It’s too old for full coverage.

  8. Ricki Thomas

    Thought I’d throw in my experience. I’m in the west part of Lewiston, Maine. Got car insurance quotes with American Family, Mercury, and a few others for my 2002 Honda Insight and I’m now saving $15 a month. They were helpful in switching over.

  9. Ellyn Rollins

    I’m in the west part of Henderson, NV. Quoted with Hartford, Auto-Owners, Mercury, and a couple others for my 2002 Honda Insight and saved just over $100 a year. Teenage drivers are expensive! I think I’ll get rid of full coverage next time.

  10. Natalie Gill

    If you’re a decent driver and are close to San Jose, CA, check out State Farm. You might get cheaper rates.

  11. Burl Mendez

    Here’s my quote info. From northwest of Mobile, AL. Received quotes from 21st Century, Liberty Mutual, and Encompass for my 2002 Honda Insight and saved $90 a year. Just waiting to see how claims go. I just carry liability insurance.

  12. Chantell Dickerson

    I’m in Bangor, Maine. Quoted with 21st Century, AIG Insurance, and Erie for my 2002 Honda Insight and saved just over $80 a year. Good multi-policy discounts. I used their online quote form to compare rates.