2010 Honda Insight Insurance Quotes – 5 Savings Tips

Are you drained from trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as many other vehicle owners.

Big companies like Allstate and Progressive all promote huge savings with catchy ads and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Finding affordable coverage is easy if you know what you’re doing. Nevertheless, vehicle owners must know the way companies sell online and use this information to your advantage.

Affordable car insurance rates with discounts

Car insurance companies do not advertise every available discount in an easy-to-find place, so the following is a list of a few of the more well known as well as the least known discounts that you can inquire about if you buy insurance online.

  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and will save you 10% or more.
  • Good Students Pay Less – Excelling in school may save you up to 25%. The good student discount can last until age 25.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • No Accidents – Insureds who avoid accidents and claims get the best car insurance rates as compared to frequent claim filers.
  • Save with a New Car – Putting coverage on a new car may earn a small discount due to better safety requirements for newer models.

Remember that most credits do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

Some of the larger companies that may offer some of the above discounts include:

When comparing rates, check with every insurance company which discounts they offer. Some of the discounts discussed earlier may not be offered in every state.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out whether you might need an agent’s assistance.

  • How can I get my company to pay me more for my totalled car?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I rent a car in Mexico?
  • How high should my medical payments coverage be?
  • Are rock chip repairs covered?
  • Should I have combined single limit or split liability limits?
  • Do I need higher collision deductibles?
  • Is my Honda Insight covered if I use it for business?
  • Are my friends covered when driving my car?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Insight.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like X-ray expenses, pain medications and hospital visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision insurance covers damage to your Insight resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a parking meter, colliding with a tree, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like structural damage, court costs and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

The bottom line

When you buy insurance online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an accident victim reduced collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

We just showed you many tips how you can lower your 2010 Honda Insight insurance premium rates. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable insurance. You may even discover the lowest premium rates come from a lesser-known regional company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

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