Cheap 2005 Honda Insight Car Insurance Rates

Shoppers have many options when shopping for the lowest priced Honda Insight insurance. You can either spend your time driving around getting price quotes or utilize the internet to compare rates. There are both good and bad ways to shop for insurance and we’ll show you the absolute fastest way to quote coverages on a Honda and obtain the lowest possible price either online or from local insurance agents.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Vehicle owners just need to learn the most efficient way to shop online.

Discounts to lower Honda Insight insurance rates

Car insurance companies don’t always advertise all available discounts very well, so we break down some of the more common and the more hidden insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Insight coverage with certain companies.
  • Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Multiple Cars – Having all your vehicles on the same insurance policy can get a discount on all vehicles.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.

Consumers should know that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Insurance companies that may have some of the above discounts may include but are not limited to:

Double check with all companies you are considering which discounts they offer. Some discounts may not be available in every state.

How to Compare Insurance Costs

Most companies like Progressive, Allstate and Geico allow you to get prices directly from their websites. Getting online quotes is quite easy as you simply enter your personal and coverage information into the quote form. Once entered, the system will obtain your driving record and credit report and returns pricing information based on these factors.

Online price quotes makes comparing rates easy, but the work required to visit different websites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible in order to find the best price possible.

A quicker way to find lower prices makes use of a single form to obtain quotes from more than one company. It saves time, eliminates form submissions, and makes online shopping much easier to do. Immediately after submitting the form, it is rated and you can select your choice of the pricing results. If a lower price is quoted, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

To use this form to compare rates, click here and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate coverages and limits identical to your current policy. This makes sure you will receive rate comparison quotes using the exact same coverages.

Honda Insight insurance rates consist of many parts

Consumers need to have an understanding of the rating factors that go into determining your insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get big savings.

Listed below are a few of the “ingredients” companies use to determine your rates.

  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection means lower claim amounts and lower rates for you. If your Honda scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Do you need those extra coverages? – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like personal injury protection, accidental death and motor club memberships are some examples. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
  • Don’t sacrifice liability coverage – The liability section of your policy is the coverage that protects you in the event that you are found liable for personal injury or accident damage. It provides legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Lower rates come with age – Older drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are statistically proven to be more careless behind the wheel and because of this, their insurance coverage rates are much higher.

Tailor your coverage to you

When choosing coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • Should I buy additional glass protection?
  • How does medical payments coverage work?
  • Is my camper covered by my car insurance policy?
  • What is roadside assistance coverage?
  • Are rental cars covered under my policy?
  • Does my 2005 Honda Insight qualify for pleasure use?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverages – This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people, 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 liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, attorney fees and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from flooding, a tree branch falling on your vehicle, damage from getting keyed and hail damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – Collision insurance will pay to fix damage to your Insight resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Honda Insight.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like surgery, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

We just showed you some good ideas how to shop for 2005 Honda Insight insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a small local company.

People who switch companies do it for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, poor customer service and unfair underwriting practices. It doesn’t matter what your reason, switching insurance companies is not as hard as you think.

Low-cost insurance is available both online and with local insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Additional insurance information is available on the following sites: