View 2014 Honda Insight Car Insurance Rates

Shoppers have a choice when shopping for the best price on Honda Insight insurance. They can either waste time contacting agents trying to get quotes or use the internet to find the lowest rates. There are both good and bad ways to buy car insurance and we’ll show you the quickest way to get price quotes for your Honda and find the best price possible either online or from local insurance agents.

It’s smart to quote other rates on a regular basis since insurance rates are usually higher with each renewal. Even if you got the lowest rate on Insight coverage a couple years back there is a good chance you can find better prices now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to find the best coverage while lowering your premiums.

Lower-cost auto insurance rates with discounts

Auto insurance is not inexpensive, but there could be available discounts that can dramatically reduce your bill. Most are applied at quote time, but less common discounts must be manually applied in order for you to get them.

• Federal Government Employee – Employees or retirees of the government may reduce rates when you quote car insurance on Insight coverage depending on your auto insurance provider.
• Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
• First Accident Forgiveness – Not necessarily a discount, but some insurance companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
• Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems help deter theft and can earn a small discount on your policy.
• Good Grades Discount – Excelling in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.
• Onboard Data Collection – Drivers who agree to allow companies to spy on where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they are good drivers.
• Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course in school.
• Accident Free – Insureds who avoid accidents and claims can save substantially compared to policyholders that have many claims.

We need to note that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

The best auto insurance companies and a partial list of their discounts are shown below.

• Progressive offers premium reductions for multi-policy, online signing, good student, online quote discount, continuous coverage, and multi-vehicle.
• The Hartford offers discounts including air bag, bundle, good student, vehicle fuel type, anti-theft, and driver training.
• Mercury Insurance has discounts for anti-theft, accident-free, good student, multi-car, and multi-policy.
• Geico has savings for seat belt use, federal employee, air bags, anti-lock brakes, emergency military deployment, multi-vehicle, and membership and employees.
• AAA may offer discounts for good driver, AAA membership discount, multi-policy, education and occupation, and multi-car.
• State Farm may have discounts that include accident-free, student away at school, multiple autos, anti-theft, Drive Safe & Save, good driver, and good student.

If you want affordable car insurance quotes, ask all companies you are considering which discounts can lower your rates. Some discounts might not apply in your state. To view auto insurance companies with discount rates, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions could help you determine if your insurance needs may require specific advice.

• Why do I only qualify for high-risk insurance?
• What is the difference between comprehensive and collision coverage?
• Is a fancy paint job covered?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need roadside assistance coverage?
• How much liability insurance is required?
• Is motorclub coverage worth it?
• What if I don’t agree with a claim settlement offer?
• Should I buy more coverage than the required minimum liability coverage?
• If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Do insurance companies bend the truth?

Drivers can’t avoid all the ads that claim the lowest car insurance rates by companies like Geico, State Farm and Progressive. All the ads say the same thing that you’ll save big just by switching your insurance policy to them.

How does every insurance company offer you a better deal? It’s all in the words they use.

Many companies can use profiling for the type of customer that will be a good risk. For example, a profitable risk profile may need to be over the age of 50, has never had a claim, and drives a lower-performance vehicle. Any person who meets those qualifications receives the best rates and as a result will probably save when they switch companies.

Consumers who don’t measure up to those standards may be forced to pay higher rates with the end result being the customer not purchasing. The trick is to say “people that switch” but not “all drivers who get quotes” save that much when switching. This is how companies can state the savings. Because each company has a different risk profile, drivers should compare as many free car insurance quotes as you can. Because you never know with any certainty which company will give you the biggest savings.

Educate yourself about car insurance coverages

Knowing the specifics of a car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like prosthetic devices, hospital visits, pain medications, doctor visits and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Insight.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverages – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, hail damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like structural damage, court costs, medical expenses, medical services and attorney fees. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your Insight resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch, rolling your car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Power to the consumer

Throughout this article, we presented many tips how you can save on 2014 Honda Insight insurance. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive car insurance. Consumers could even find that the lowest priced insurance coverage comes from a lesser-known regional company.

As you quote car insurance, never sacrifice coverage to reduce premiums. In many instances, someone dropped collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage at the lowest possible cost.

People leave their current company for any number of reasons including an unsatisfactory settlement offer, high prices, denial of a claim and unfair underwriting practices. Regardless of your reason, finding a new insurance coverage company is easier than you think.

Additional information is available below:

• Your Car has been Stolen: Now What? (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Tools for Teen Driving Safety (State Farm)
• Learn About Car Insurance (Geico)