2011 Honda Insight Insurance Cost – 9 Ways to Save

Trying to find lower auto insurance rates for your Honda Insight? Did budget coverage turn out to be an overpriced auto insurance policy? Trust us when we tell you there are many drivers thinking the same thing. There are many auto insurance companies to pick from, and even though it’s nice to have multiple companies, more choices can make it harder to find a good deal.

Finding the best rates is not that difficult. If you have car insurance now, you stand a good chance to be able to save some money using this information. Vehicle owners just need to understand the most efficient way to find the lowest price on the web.

The most recommended method to compare car insurance company rates is to take advantage of the fact most of the larger companies provide online access to quote your coverage. All consumers are required to do is provide a little information such as deductibles desired, your job, how much education you have, and marital status. Your information gets sent immediately to multiple insurance coverage providers and you will get price comparisons almost instantly.

These nine discounts can lower your auto insurance quotes

Auto insurance is not cheap nor is it fun to buy but there are discounts available that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but less common discounts must be asked for before you get the savings. If you don’t get every credit you qualify for, you are paying more than you should be.

• Responsible Driver Discount – Safe drivers could pay up to 40% less on Insight insurance than drivers with accidents.
• Bundled Policy Discount – When you have multiple policies with the same company you could save up to 20% and get you cheaper insurance.
• Early Signing – Some larger companies reward drivers for switching policies prior to your current policy expiration. The savings is around 10%.
• Mature Driver Discount – Mature drivers are able to get a discount up to 10% on Insight insurance.
• Lower Rates for Military – Being deployed with a military unit could trigger a small discount.
• Government Employee Discount – Federal government employees can earn a discount up to 10% on Insight insurance with some auto insurance companies.
• Drivers Ed for Students – Require your teen driver to enroll in driver’s education as it can save substantially.
• Multiple Cars – Buying insurance for multiple cars on one policy can get a discount on all vehicles.
• Early Payment Discounts – By making one initial payment instead of paying each month you can avoid the installment charge.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky.

To locate insurers that can offer you the previously mentioned discounts, click here to view.

Different people need different auto insurance coverages

When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can help discover if you will benefit from professional help.

• Is upholstery damage covered by car insurance?
• Are all vehicle passengers covered by medical payments coverage?
• Am I better off with higher deductibles on my 2011 Honda Insight?
• Can I afford low physical damage deductibles?
• Is my dog or cat covered if injured in an accident?
• When should I not file a claim?
• How much liability insurance is required?
• When should I remove comp and collision on my 2011 Honda Insight?
• When would I need additional glass coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Information about specific coverages

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for bills such as surgery, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, repair costs for stationary objects, legal defense fees, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hail damage, a tree branch falling on your vehicle and fire damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – Collision coverage covers damage to your Insight caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2011 Honda Insight.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.