2013 Honda Insight Insurance Rates

Buyers have many options when searching for low-cost Honda Insight insurance. They can either waste time driving around to get rate comparisons or utilize the internet to find the lowest rates. There is a better way to buy insurance so we’re going to tell you the absolute fastest way to quote coverages for your Honda and obtain the best price possible from local insurance agents and online providers.

You should take the time to shop coverage around every six months because insurance rates are adjusted regularly by insurance companies. Just because you found the best deal on Insight insurance two years ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn the best way to save money, get proper deductibles and limits, all at the lowest rate.

Insurance coverage rates and discounts

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so the below list has some of the more common and the more hidden savings tricks you should be using when you buy car insurance online.

  • Homeowners Savings – Owning a house may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on Insight insurance depending on your company.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% on Insight insurance compared to rates paid by drivers with frequent claims.
  • Auto/Life Discount – Some insurance carriers give a small discount if you purchase a life policy as well.
  • Accident-Free Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote as opposed to frequent claim filers.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
  • Multi-Vehicle Discounts – Buying insurance for multiple vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Theft Prevention Discount – Cars with anti-theft systems are stolen with less frequency and will save you 10% or more.

It’s important to understand that some credits don’t apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride.

A few popular companies and some of their more popular discounts are shown below.

  • Farm Bureau has savings for renewal discount, multi-vehicle, driver training, safe driver, multi-policy, youthful driver, and 55 and retired.
  • Liberty Mutual includes discounts for preferred payment discount, newly married, safety features, teen driver discount, hybrid vehicle, multi-car, and new graduate.
  • State Farm policyholders can earn discounts including good driver, driver’s education, good student, defensive driving training, Steer Clear safe driver discount, safe vehicle, and passive restraint.
  • Auto-Owners Insurance discounts include paid in full, paperless, safe vehicle, air bags, company car, and teen driver.
  • Geico offers discounts including federal employee, driver training, good student, military active duty, five-year accident-free, multi-vehicle, and anti-theft.
  • SAFECO may include discounts for teen safe driver, anti-theft, accident prevention training, bundle discounts, and safe driver.

If you need lower rates, check with each company which discounts they offer. A few discounts might not be offered in your area. For a list of insurance coverage companies with discount insurance coverage rates, click this link.

Buy insurance coverage online

Getting cheaper 2013 Honda Insight insurance coverage pricing is not a difficult process. Consumers just need to spend a few minutes on the computer comparing rate quotes to find. Rate comparisons can be done using a couple different methods.

  1. The most efficient way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate quote forms for each company you want a rate for. Taking the time to complete one form gets rate comparisons from all major companies. This is by far the quickest method.
  2. A more difficult way to find lower rates requires visiting the website for each individual company and complete a new quote form. For instance, let’s say you want comparison quotes from Liberty Mutual, State Farm and Farmers. You would need to spend time going to each site individually to input your insurance information, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using the same information for each comparison quote. If you use differing limits you will not be able to determine the lowest rate for your Honda Insight.

Situations that may require an agent’s advice

When buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • How can I get high-risk coverage after a DUI?
  • What is the rate difference between pleasure use and commuting?
  • Do I need higher collision deductibles?
  • When would I need additional glass coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Liability insurance

This protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like structural damage, bail bonds, repair costs for stationary objects, legal defense fees and loss of income. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, rehabilitation expenses, prosthetic devices, chiropractic care and funeral costs. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Insight.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage

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

Comprehensive can pay for things like rock chips in glass, damage from a tornado or hurricane, damage from flooding, hitting a bird and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Save your hard earned cash

More affordable car insurance is available from both online companies and from local agencies, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies prefer to sell through independent insurance agents.

We just showed you a lot of techniques to compare 2013 Honda Insight insurance rates online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the best rates are with a small mutual company.

When searching for affordable car insurance quotes, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Additional information can be read at the links below