2010 Honda Insight Car Insurance Quotes – 9 Tricks for Cheaper Rates

Trying to find cheaper car insurance rates for your Honda Insight? I can’t think of a single person who likes having to buy car insurance, particularly when they are paying too much. Multiple auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite lowest cost out there.

It’s a good habit to take a look at other company’s rates quite often since insurance rates fluctuate regularly. Just because you found the lowest rates on Insight insurance a year ago you will most likely find a better rate today. There is a lot of wrong information about car insurance online but with this article, you’re going to get a bunch of ideas how to quit paying high car insurance rates.

If you are insured now or need new coverage, you can use this information to find better prices while maximizing coverage. Finding the best rates is not rocket science. Drivers just need to know the best way to buy auto insurance over the internet.

Pay less for 2010 Honda Insight insurance

Auto insurance companies don’t always publicize every available discount very clearly, so we break down both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit you deserve, you are throwing money away.

  • Government Employees – Simply working for the federal government may qualify you for a discount on Insight insurance depending on your company.
  • Save over 55 – Older drivers may receive better car insurance rates on Insight insurance.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates on your policy on Insight insurance.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Insight insurance than their less cautious counterparts.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.

Consumers should know that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

For a list of insurers with discount car insurance rates, click here.

How to Compare Insurance Coverage Rates

Reducing your 2010 Honda Insight insurance rates is actually quite simple. All that’s required is to invest a little time comparing price quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  1. One of the best ways to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate forms for each company you want a rate for. Completing one form gets you coverage quotes direct from many companies.
  2. A less efficient way to analyze rates requires a trip to the website of each company to complete their respective quote request forms. For instance, let’s assume you want to compare Farmers, Esurance and American Family. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you use, double check that you are using identical information for each comparison quote. If you enter higher or lower deductibles it will be impossible to make an equal comparison.

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. For example, these questions may help highlight whether you may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is my teen driver covered when they drive my company car?
  • Am I better off with higher deductibles on my 2010 Honda Insight?
  • Is business property covered if stolen from my car?
  • How much can I save by bundling my policies?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When does my teenage driver need to be added to my policy?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if my car is in a flood?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

Can switching companies really save?

Drivers can’t ignore all the ads for cheaper car insurance by companies like Progressive, Allstate and GEICO. They all make an identical promise about savings if you switch to them.

But how can every company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the driver that is profitable for them. An example of a profitable customer might be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will save when switching.

Potential insureds who fall outside the requirements must pay a more expensive rate which leads to the customer not buying. The ads state “people who switch” not “people who quote” save that much. That’s why companies can truthfully state the savings. This illustrates why you should compare as many rates as you can. It’s not possible to predict which insurance companies will fit your personal profile best.

Car insurance policy coverages for a 2010 Honda Insight

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, fire damage, damage from flooding, rock chips in glass and hitting a deer. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This coverage pays for damage to your Insight from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, hitting a parking meter, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverage

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle 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 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like structural damage, emergency aid, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses like nursing services, prosthetic devices and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Honda Insight.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Be a smart shopper

Affordable 2010 Honda Insight insurance is available online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

You just learned many tips how you can save on insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and GEICO.

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