2014 Honda Insight Insurance Quotes – 7 Tricks for Best Rates

Shopping for car insurance is not something consumers like to do, but it’s mandatory to legally drive.

You need to compare rates quite often since insurance rates are constantly changing. Even if you got the lowest price on Insight insurance on your last policy you may be paying too much now. There is a lot of bad advice regarding car insurance online, so by reading this article, you’re going to learn some guaranteed methods to slash your car insurance rates.

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. The purpose of this article is to help you learn how car insurance quotes work. But drivers must understand how big insurance companies determine prices and apply this information to your search.

Which Car Insurance is Cheapest?

There are a lot of ways to compare car insurance prices but there is one way that is more efficient than others. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Many insurance companies take part in a program where prospective buyers submit their information once, and every company returns a competitive quote based on that information. This system prevents you from having to do quotation requests to every company.

To get comparison pricing now click here (opens in new window).

The one disadvantage to using this type of form is you can’t choose the insurers to get quotes from. If you prefer to choose specific providers to compare prices, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using the exact same coverage limits and deductibles for each comparison quote. If each company quotes different deductibles it will be very difficult to decipher which rate is best. Slightly different coverage limits may result in a large different in cost. Just remember that getting more free quotes gives you a better chance of getting better pricing.

Don’t miss out on these seven money-saving discounts

Companies don’t necessarily list all their discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find savings tricks you should be using.

  • Drive Less and Save – Keeping the miles down on your Honda can earn better rates on cars that stay parked.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Student in College – Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount on Insight insurance with select insurance companies.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of insurance companies with the best auto insurance discounts, click this link.

Do I need special coverages?

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.

  • How much underlying liability do I need for an umbrella policy?
  • Is my 2014 Honda Insight covered for flood damage?
  • What if I owe more than I can insure my car for?
  • Does my policy cover my teen driver if they drive my company car?
  • How high should my medical payments coverage be?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need more liability coverage?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Understanding the coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability car insurance

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things like emergency aid, structural damage, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Honda Insight.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto collision coverage

This coverage covers damage to your Insight resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, scraping a guard rail, backing into a parked car, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for surgery, rehabilitation expenses, hospital visits and nursing services. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, a broken windshield, theft, fire damage and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

A penny saved is a penny earned

Drivers leave their current company for any number of reasons including high rates after DUI convictions, high prices, lack of trust in their agent and delays in responding to claim requests. It doesn’t matter what your reason, finding the right insurance coverage provider can be less work than you think.

Cheaper 2014 Honda Insight insurance can be purchased on the web as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented a lot of techniques to lower your insurance rates. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from a lesser-known regional company.

Much more information about insurance coverage is located at the links below