Compare 2013 Honda Insight Car Insurance Quotes

Searching for lower auto insurance rates for your Honda Insight? Overwhelmed by the crazy number of auto insurance company choices? You have a lot of company. There are so many options available that it can easily become a big hassle to compare prices.

Consumers should take time to get comparison quotes periodically because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Insight coverage last year other companies may now be cheaper. So just forget all the misinformation about auto insurance because you’re going to get a crash course in the right way to save on auto insurance.

Finding the best rates is not that difficult. Just about every driver who carries insurance coverage will most likely be able to lower their premiums. But drivers can benefit by having an understanding of the methods companies use to sell insurance online and use this information to your advantage.

More discounts equal less premium

Auto insurance companies don’t necessarily list every available discount very well, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Claim Free – Drivers who don’t have accidents pay less when compared to bad drivers.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Insight coverage than drivers with accidents.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Resident Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
  • Sign Online – A handful of insurance companies may give you up to $50 simply for signing digitally online.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

Car insurance companies who might offer these discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. All car insurance discounts may not apply in every state.

Honda Insight rate determination is complex

Smart consumers have a good feel for the factors that go into determining car insurance rates. When you know what positively or negatively determines base rates enables informed choices that can help you get better car insurance rates.

  • Don’t get talked into coverage you don’t need – There are a ton of extra bells and whistles that can waste your money when buying car insurance. Coverages for rental car reimbursement, accident forgiveness and term life insurance are examples of these. They may seem like a good idea initially, but if they’re wasting money eliminate them to save money.
  • Allowing your policy to lapse raises rates – Allowing your car insurance policy to lapse is a fast way to pay more for car insurance. Not only will you pay more, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department.
  • Claim-free discounts can add up – Auto insurance companies award lower rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to higher rates. Your insurance policy is designed for larger claims.
  • Your car insurance rates can be influenced by your job – Did you know your occupation can influence how much you pay for car insurance? Careers like judges, executives and accountants tend to have higher rates than average in part from stressful work requirements and long work hours. On the flip side, occupations such as actors, athletes and homemakers receive lower rates on Insight coverage.
  • Clean credit earns discounts – Your credit rating is a important factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. If your credit can use some improvement, you could pay less to insure your 2013 Honda Insight by spending a little time repairing your credit.

It’s not one size fits all

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions may help you determine if your situation might need professional guidance.

  • What is the rate difference between pleasure use and commuting?
  • What is the ISO rating for a 2013 Honda Insight?
  • When would I need rental car insurance?
  • What are the financial responsibility laws in my state?
  • What is an SR-22 filing?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance myths debunked

GEICO, State Farm and Progressive consistently run ads in print and on television. All the companies make the same claim about savings if you change your coverage to them. How does each company make almost identical claims?

All companies are able to cherry pick for the type of customer that is profitable for them. For instance, a desirable insured might be between the ages of 40 and 55, a clean driving record, and has great credit. A propective insured who meets those qualifications will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t qualify for this ideal profile will be charged more money and this can result in business not being written. The ads say “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can confidently advertise the way they do. That is why drivers should quote coverage with many companies. It’s impossible to know which insurance companies will provide you with the cheapest Honda Insight insurance rates.

Insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto collision coverage

Collision insurance covers damage to your Insight resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Honda Insight.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage

Liability insurance will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things like attorney fees, funeral expenses, medical expenses, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for pain medications, ambulance fees, hospital visits, X-ray expenses and doctor visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Summing up your auto insurance search

People switch companies for many reasons like policy cancellation, delays in paying claims, not issuing a premium refund or even high prices. Regardless of your reason, finding a great new company is not as hard as you think.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage and discovered at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage at an affordable rate.

We just showed you many ideas to lower your 2013 Honda Insight insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a lesser-known regional company.

Additional auto insurance information is located on the following sites: