2017 Honda Clarity Car Insurance Rates – 6 Ways to Save

Sick and tired of robbing Peter to pay Paul to insure your Honda every month? Your situation is no different than many other drivers. Big-name insurance companies like State Farm, Allstate, Geico and Progressive constantly bombard you with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have insurance now or need new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Consumers just need to understand the most effective way to shop their coverage around on the web.

Quote insurance coverage online

Getting cheap 2017 Honda Clarity insurance coverage pricing can be surprisingly simple. The only requirement is to invest a little time to get quotes to find the company with the cheapest insurance quotes. Comparing prices online can be done in several different ways.

The best way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do repetitive form entry for every prospective company. Filling out one form gets coverage cost estimates from multiple low-cost companies.

A different way to shop for insurance coverage online consists of going to the website for each individual company to complete a price quote. For examples sake, let’s assume you want to compare prices for Liberty Mutual, State Farm and Progressive. To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just do your best to use the exact same coverage data for each price quote. If you are comparing different data it will be next to impossible to determine the best price for your Honda Clarity.

Six discounts for affordable car insurance rates

Companies do not list every discount they offer very well, so the following is a list of some of the more common and the harder-to-find credits available to bring down your rates.

  • Responsible Drivers – Safe drivers can save up to 40% or more on their insurance quote on Clarity coverage than their less cautious counterparts.
  • Senior Discount – If you qualify as a senior citizen, you are able to get a discount up to 10% on Clarity coverage.
  • Save with a New Car – Buying insurance on a new vehicle can save up to 30% due to better safety requirements for newer models.
  • Low Mileage Discounts – Driving fewer miles could earn slightly better car insurancerates than normal.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of 25 to 30%.
  • Early Renewal Discounts – A few insurance companies allow discounts for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.

Just know that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way.

A list of companies and a summarized list of policyholder discounts are outlined below.

  • The Hartford offers discounts including bundle, vehicle fuel type, anti-theft, good student, driver training, and air bag.
  • American Family has discounts for mySafetyValet, defensive driver, early bird, multi-vehicle, good student, TimeAway discount, and good driver.
  • Progressive offers premium reductions for homeowner, multi-vehicle, good student, online quote discount, online signing, and continuous coverage.
  • Travelers has savings for save driver, student away at school, multi-car, new car, and payment discounts.
  • Farmers Insurance policyholders can earn discounts including good student, switch companies, bundle discounts, distant student, and pay in full.
  • USAA discounts include family discount, new vehicle, loyalty savings, driver training, and multi-policy.
  • Liberty Mutual offers discounts for teen driver discount, newly retired, preferred payment discount, new graduate, safety features, and new move discount.

If you want cheaper insurance quotes, ask every company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in every state.

You may need specialized car insurance coverage

When it comes to buying proper insurance coverage, there is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out whether your personal situation will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I put collision coverage on all my vehicles?
  • How do I insure my teen driver?
  • Does my 2017 Honda Clarity qualify for pleasure use?
  • Is there coverage for injuries to my pets?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Switch companies and save? Really?

Drivers can’t ignore all the ads that claim the cheapest rates from the likes of State Farm, Geico and Progressive. All the companies state the claim that people will save if you just switch your auto insurance coverage to their company.

How do they all lower your rates? It’s all in how they say it.

Many companies quote the lowest rates for a prospective insured that will be a good risk. One example of a preferred risk might have to be between the ages of 30 and 50, has a clean driving record, and has a high credit rating. A customer getting a price quote that fits those parameters will probably get cheap prices as well as save if they switch.

Potential insureds who do not fit this stringent profile will get higher premiums which usually ends up with the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can make those statements.

Because every company is different, you absolutely need to get insurance quotes as often as possible. Because you cannot predict which insurance companies will have the best car insurance rates for your profile.

Car insurance coverage options for a Honda Clarity

Learning about specific coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Collision coverage – Collision insurance will pay to fix damage to your Clarity resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, rolling your car, scraping a guard rail, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, falling objects and hitting a bird. 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 consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Clarity.

Since 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. Normally these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like hospital visits, doctor visits and surgery. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage – This can cover damages or injuries you inflict on other people or property. It protects you from legal claims by others. Liability doesn’t 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. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, repair bills for other people’s vehicles, bail bonds and attorney fees. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Save for a rainy day

There are still a few companies who do not offer online rate quotes regional carriers sell through independent agents. Discount 2017 Honda Clarity insurance is definitely available both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money.

As you quote insurance, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

Much more information about insurance coverage is located at these links: