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Honda Insight Insurance Cost

Shopping for car insurance online can be fast and easy, plus you can save money. The most important part is to compare as many rate quotes as possible in order to have the lowest rate quotes.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to compare rate quotes from different insurance companies. By far the easiest way to compare Insight insurance rates consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by these things

Car insurance premiums for a Honda Insight will vary greatly depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Your credit history
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your Insight
  • Your occupation
  • The level of coverage
  • Home ownership saves money

An additional factor that will help determine Insight insurance cost is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which may result in lower rates. Conversely, new Honda models may have safety features such as pedestrian detection, dual-stage airbags, and blind-spot warning system so those may lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverage

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Insight collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Honda Insight Insurance Rates?