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.
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.
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.
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.
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.
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.
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.
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.
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.
Lashandra Sawyer
When do I drop full coverage?
Rocky Guerra
I’ve bought from 21st Century forever. Cheapest rates in Rochester, NY.
Elmira Fields
Does Progressive do SR22s in North Dakota?
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.
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.
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.
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.
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.
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.
Natalie Gill
If you’re a decent driver and are close to San Jose, CA, check out State Farm. You might get cheaper rates.
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.
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.