2017 Honda Clarity Car Insurance Quotes

Tired of scraping nickels together to buy auto insurance? You have the same problem as the majority of other drivers. Drivers have many car insurance companies to choose from, and even though it’s nice to have a choice, so many choices can make it hard to compare rates and find the lowest cost auto insurance.

How to buy auto insurance online

Getting a cheap price on 2017 Honda Clarity insurance isn’t really that difficult. You just have to take time comparing rates to find out which insurance company has cheaper car insurance quotes. It’s really simple and can be done using one of these methods.

1. The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form submissions for every company. One simple form will get you rate comparisons from all major companies.
2. A different way to find better pricing requires visiting each company website to request a price quote. For instance, we’ll assume you want to compare prices for Liberty Mutual, Geico and Allstate. In order to compare rates, you need to navigate to each company’s site to enter your coverage information, which is why the first method is more popular.

   To view a list of companies in your area, click here.

3. The hardest way to do your price quoting is actually driving to insurance agencies in your area. Shopping for auto insurance online reduces the need to sit down with an agent unless you prefer the extra assistance of an agent trained in personal lines coverage. Some companies do allow you to obtain prices from the web but purchase the actual policy in an agency.

You can choose any of those ways to find more affodable coverage, but try to keep the same coverages and limits on every price quote you get. If each company quotes different values for each quote it’s not possible to find the best deal for your Honda Clarity.

Save $421 a year? Really?

Consumers get pounded daily by advertisements for cheaper insurance coverage by companies like Progressive, Geico, Allstate and State Farm. All the ads say the same thing about saving some big amount just by moving to their company.

How is it possible that every company can offer you a better deal? You have to listen carefully.

Insurance companies give the best rates for the type of insured that makes them money. One example of this type of risk profile may be a mature driver, has few claims, and drives a safe vehicle. A customer that hits that “sweet spot” will qualify for the lowest prices and have a good chance to cut their rates substantially.

Consumers who may not quite match this ideal profile may be forced to pay a higher rate which translates to the customer not buying. The ad wording is “drivers who switch” but not “everyone who gets a quote” save money. This is how insurance companies can advertise the way they do. Because of the profiling, it’s extremely important to do a rate comparison at every renewal. It’s impossible to know which insurance companies will have the lowest rate quotes.

Why informed consumers pay less for Honda Clarity insurance

Multiple criteria are taken into consideration when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other factors are less obvious like your vehicle usage and annual miles driven.When buying insurance it’s important to understand the rating factors that play a part in calculating your premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that could help you find better insurance rates.

The list below includes some of the most rate-impacting factors insurance companies consider when setting your rate level.

• Drivers with responsible credit save on insurance – Your credit history can be an important factor in calculating your premium rate. People that have excellent credit tend to be better risks to insure as compared to drivers with lower credit scores. If your credit can use some improvement, you could save money insuring your 2017 Honda Clarity by spending a little time repairing your credit.
• How many miles do you drive? – Driving a lot of miles in a year’s time the more you’ll pay to insure it. A lot of companies calculate prices based upon how much you drive. Cars left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance coverage states the correct usage, because it can save money. Incorrect rating for your Clarity may be costing you higher rates.
• Insurance lapses lead to higher insurance rates – Letting your insurance expire can be a guaranteed way to increase your rates. In addition to paying higher rates, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
• Too many insurance claims drive up premiums – If you file a lot of claims don’t be surprised to see either a policy non-renewal or much higher rates. Car insurance companies give most affordable rates to people who only file infrequent claims. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
• Employer stress can make you pay more – Do you work in a high-stress field? Careers like military personnel, architects and miners generally have higher rates than average attributed to intense work-related stress and lots of time spent away from family. On the other hand, careers like scientists, engineers and the unemployed have the lowest average rates for Clarity coverage.
• Limits of liability coverage – Liability coverage will afford coverage in the event that you are determined to be liable for physical damage or personal injury to other. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Avoid tickets and save – Being a careful driver has a lot to do with how much you pay for insurance. Drivers with clean records pay lower auto insurance prices as compared to careless drivers. Getting just one ticket may cause rates to rise by twenty percent. Drivers unfortunate enough to have careless violations like reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
• Being married brings a discount – Your spouse can get you a discount on your insurance bill. Having a spouse may mean you are more financially stable and it’s proven that married couples file fewer claims.

Drivers save money with these money-saving discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be manually applied prior to getting the savings.

• Federal Government Employee – Active or retired federal employment could provide a small rate reduction for Clarity coverage with a few insurance coverage companies.
• More Vehicles More Savings – Purchasing coverage when you have all your vehicles on one policy can get a discount for every vehicle.
• Drive Less and Save – Keeping the miles down on your Honda could be rewarded with substantially lower rates.
• Telematics Data Discounts – Policyholders that allow their insurance coverage company to track vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they have good driving habits.
• Driver’s Education for Students – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
• College Student – living away from home attending college and won’t have access to an insured vehicle may be able to be covered for less.
• Military Rewards – Being on active duty in the military may lower your prices slightly.

One thing to note about discounts is that most credits do not apply the the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride.

Companies that have most of the discounts above may include but are not limited to:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

If you are trying to find cheap car insurance quotes, ask each company or agent the best way to save money. Discounts might not be offered on policies in every state. If you would like to view insurance companies that offer multiple discounts, click this link.

Do I need special coverages?

When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions could help you determine whether you may require specific advice.

• Can I make deliveries for my home business?
• Am I covered when using my vehicle for business?
• Why does it cost so much to insure a teen driver?
• Does my policy pay for OEM or aftermarket parts?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I have a commercial auto policy?
• Is a blown tire covered by insurance?
• Where can I find high-risk insurance?
• Why do I need rental car insurance?
• Am I covered if I break a side mirror?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on most car insurance policies.

Collision coverage protection

This coverage pays for damage to your Clarity resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for things like dental work, hospital visits, ambulance fees and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, a tree branch falling on your vehicle and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like emergency aid, medical services, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Honda Clarity.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Be a penny pincher

When getting car insurance quotes online, you should never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best cost, not the least amount of coverage.

In this article, we covered many tips how you can save on 2017 Honda Clarity insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best rates are with a company that doesn’t do a lot of advertising. Some small companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive or Geico.

Lower-priced auto insurance can be bought from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get quotes online and these smaller providers only sell through independent agents.

Other learning opportunities

• Vehicle Insurance in the U.S. (Wikipedia)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• What is a Telematics Device? (Allstate)