2013 Honda Insight Insurance Quotes – 8 Tips for Cheaper Rates

Locating better insurance prices for a Honda Insight could be a lot of work, but you can use these tips to save time.

There is a better way to compare car insurance rates so you’re going to learn the quickest way to get price quotes for a Honda and obtain the cheapest rates from local insurance agents and online providers.

How to get cheap insurance coverage

Comparing insurance coverage rates is a ton of work if you don’t understand the most efficient way to do it. You can spend countless hours talking to local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Most car insurance companies enroll in a system where insurance shoppers only type in their quote data once, and at least one company then gives them pricing. This system prevents you from having to do form submissions for every insurance coverage company. To find out how much you’re overpaying now click here to start a free quote.

The single downside to doing it this way is you can’t choose the providers to get quotes from. So if you prefer to pick from a list of companies to compare, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you are using equivalent coverage data for each quote you get. If your comparisons have different deductibles it’s not possible to make an equal comparison.

Drivers who switch save $473 a year? Really?

Consumers can’t get away from ads that claim the best premium rates by companies like Progressive, Allstate and Geico. All the ads try to convey promises that you’ll save big if you get a free car insurance quote and switch your coverage to them.

But how can every company make almost identical claims? This is the way they can do it.

Companies are able to cherry pick for the right customer they prefer to insure. For instance, a driver they prefer could possibly be over the age of 35, has had continuous coverage, and has excellent credit. Someone that fits those parameters will probably get cheap prices and have a good chance to save if they switch.

People who fall outside these criteria may receive a higher premium and the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can make those claims.

Because of this risk profiling, you really need to get a wide range of price quotes. Because you never know which insurance company will be your best fit.

Do you qualify for discount auto insurance?

Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and the more hidden credits available to lower your premiums when you buy car insurance online.

• Low Miles Discount – Low annual miles could qualify for substantially lower auto insurancerates.
• Distant College Student Discount – Any of your kids who live away from home at college and leave their car at home can receive lower rates.
• Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save a little on medical payment and PIP coverage.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn up to 20% and get you low cost car insurance.
• Discount for Passive Restraints – Factory air bags may qualify for discounts of 25 to 30%.
• Online Discount – A few larger online companies will provide an incentive get car insurance on your computer.
• Driver Training Discounts – Passing a course in safe driver can save you 5% or more and make you a better driver.
• Discount for Home Ownership – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.

Consumers should know that some credits don’t apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky.

If you would like to choose from a list of insurance companies with discount auto insurance rates, click here to view.

What insurance coverages do I need?

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

• What is the minimum liability in my state?
• I have good health insurance, so how much medical payments coverage do I need?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Should I bundle my homeowners policy with my auto?
• Do I benefit by insuring my home with the same company?
• Does coverage extend to a rental car in a foreign country?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills like rehabilitation expenses, funeral costs, hospital visits and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, court costs, structural damage, emergency aid and loss of income. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2013 Honda Insight.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

A little work can save a LOT of money

Drivers switch companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, denial of a claim or even being labeled a high risk driver. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

In this article, we presented many tips how you can shop for 2013 Honda Insight insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. You may be surprised to find that the best price on insurance is with some of the lesser-known companies.

Lower-priced insurance is definitely available online as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not offer online rate quotes and these smaller providers prefer to sell through independent agents.

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