2010 Honda Element Car Insurance Quotes – 10 Tips for Best Rates

Saving money on Driversauto insurance may be frustrating for people not familiar with quoting coverage prices online. With such a big selection of agents and online companies available, it can quickly become a real difficult job to find cheaper prices.

It’s a great practice to compare premium rates quite often because auto insurance prices fluctuate regularly. Even if you think you had the best deal for Element insurance a couple years back there is a good chance you can find better rate quotes now. Ignore everything you know about auto insurance because you’re about to find out how to quote online to get good coverage at a lower rate.

Finding the best rates is not rocket science. If you are paying for car insurance now, you should be able to cut costs considerably using this information. But vehicle owners do need to know how the larger insurance companies market insurance on the web and apply this information to your search.

Shop insurance coverage online

There are several ways to shop for insurance coverage, but there is one way that is less time-consuming than others. You could waste time driving to insurance companies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many of the larger companies belong to an insurance system where insurance shoppers submit their information once, and each participating company can give them a price based on that information. This saves time by eliminating quote forms for every insurance coverage company.

To compare rates using this form now click here to start a free quote.

The one disadvantage to doing it this way is that you can’t choose which insurance companies to receive prices from. If you would rather choose individual companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to keep exactly the same coverages with every price quote. If the quotes have different liability limits then you won’t be able to find the best deal for your Honda Element. Even a minor difference in insurance coverages or limits may cause a big price difference. And when quoting insurance coverage, remember that making a lot of price comparisons helps you find the best rates. Not every company provides prices over the internet, so you need to compare rates from the smaller companies as well.

Lower rates by qualifying for these ten discounts

Companies that sell car insurance do not advertise every discount very well, so we break down some of the best known and also the more inconspicuous credits available to lower your premiums when you buy insurance coverage online.

  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
  • Homeowners Savings – Owning a house may trigger a policy discount on auto insurance since owning and maintaining a home requires a higher level of personal finance.
  • ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
  • Claim-Free Discount – Claim-free drivers pay much less as opposed to accident-prone drivers.
  • Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
  • Paper-free Discount – Some companies will give you a small discount for buying your policy on the web.
  • Mature Driver Discount – Mature drivers may receive better auto insurance rates for Element insurance.
  • Distant College Student Discount – College-age children who are enrolled in higher education away from home without a vehicle on campus could get you a discount.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

Car insurance companies that may offer policyholders these discounts include:

When comparing rates, check with all the companies which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your area. To see a list of companies with the best auto insurance discounts, follow this link.

Insurance coverage is unique, just like you

When choosing the best insurance coverage coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might help in determining if your situation would benefit from professional advice.

  • How much liability do I need to cover my assets?
  • Do I have coverage when pulling a U-Haul trailer?
  • How high should my medical payments coverage be?
  • Am I covered if my car is in a flood?
  • Who is covered by my policy?
  • Do I need rental car coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This coverage will pay to fix damage to your Element caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

Liability insurance can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, legal defense fees, medical services and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for things like rehabilitation expenses, prosthetic devices, dental work, funeral costs and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hail damage, hitting a bird, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Honda Element.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.