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.
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.
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.
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.
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.
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.
Tamie Schneider
Hope my rates come down. I live in a small town just outside of Newark, NJ. Quoted with Auto-Owners, Mercury, and Travelers for my 2011 Honda Insight and I think I am saving around $70 each month. I get a discount for insuring multiple vehicles.
Adrian Avila
Here’s my info. Proud to be from Rochester, MN. Quoted with State Farm, Farmers, and Hartford for my Honda and am saving around $470 a year. BTW speeding tickets are not good. :P
Lezlie Downs
If you have a good history and live around Newark, NJ, check out Progressive. They seem to be cheaper. I’m a pretty low risk driver.
Russel Blackburn
Nice post. Located in North Charleston, South Carolina. Checked online prices for a 2011 Honda Insight. Ended up at about $140 savings annually. Went with Allstate. Have an at-fault accident tho. LOL
Cristie Cotton
Great site. I live on the south side of Great Falls, MT. I quoted with Progressive, Farmers, and Liberty Mutual for my Honda and I’m now saving $35 a month. Bought it from an online quote.
Javier Rhodes
Got pretty cheap 2011 Honda Insight insurance from Allstate in Fort Smith, AR.
Kim Chandler
If you have a good history and live around Rio Rancho, New Mexico, check out Allstate. You might get cheaper rates. Have a couple speeding tickets too. Can still barely afford it.
Melvina Carrillo
I’m just south of North Charleston, South Carolina. Got prices from Progressive, GMAC, and Eastwood for my Insight and saved just over $450 a year. I have a teen driver too.
Jamaal Lang
I found pretty cheap rate quotes for a 2011 Honda Insight in Aurora, Colorado. Ended up at right around $130 every six months with AAA. Even increased coverage a bit. It never hurts to quote around.
Nicolle Durham
Cheap car insurance? What’s that? I live in a small town just outside of Fayetteville, AR. I don’t recall every quote but I ended up saving about $20 each month. Wish I didn’t have to insure at all.
Kathie Dixon
I got a good deal I think. Checking in from Bangor, Maine. I got free rates from 21st Century, Encompass, and Liberty Mutual for my Honda and saved around $270 a year.
Pura King
I live west of San Antonio, TX. Got quotes with State Farm, Encompass, and The General for my Honda and saved about $300 a year. My new agent seems to be really good.
Camelia Welch
I’ve bought from Progressive forever. Cheapest rates in Allentown, PA.