Compare 2008 Honda Element Insurance Quotes

Are you sick and tired of paying out the nose each month for car insurance? You are in the same boat as many other drivers.

Numerous car insurance companies battle for your business, so it can be very hard to choose a provider to find the absolute best rates possible.

Free Insurance Quotes

There are a lot of ways to compare insurance quotes, but one way is less time-consuming than others. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most of the best insurance companies belong to a marketplace where insurance shoppers send in one quote, and at least one company can give them a price based on the submitted data. This eliminates the need for form submissions to every company.

To participate in this free quote system, click here to start a free quote.

The one downside to getting quotes like this is that consumers can’t choose the providers to get pricing from. If you would rather choose specific insurance companies to compare prices, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using exactly the same information for every company. If you are comparing different deductibles it will be next to impossible to truly determine the lowest rate. Quoting even small variations in coverages may result in large price differences. It’s important to know that quoting more will increase your chances of finding better pricing.

Save with discounts on Honda Element insurance

Companies don’t necessarily list every discount in a way that’s easy to find, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Element insurance depending on your company.
  • Multi-policy Discount – If you have multiple policies with one company you may save approximately 10% to 15%.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Sign Online – Some insurance companies will give a small break for buying your policy digitally online.

Keep in mind that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, you won’t be that lucky.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Check with each company how you can save money. Discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • Can I afford to buy a different vehicle if my 2008 Honda Element is totaled?
  • How can I get my company to pay me more for my totalled car?
  • Where can I find high-risk insurance?
  • Why does it cost so much to insure a teen driver?
  • Do I need replacement cost coverage?
  • Is there coverage for injuries to my pets?
  • Do I pay less for low miles?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I still get insurance after a DUI?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Honda Element rates are complex

An important part of buying insurance is that you know the different types of things that go into determining car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to big savings.

Listed below are a few of the “ingredients” that factor into prices.

  • Being married is a good thing – Having a spouse can get you a discount when buying car insurance. Having a significant other means you’re more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Theft deterrents lower rates – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Claim-free discounts can add up – If you file claims often, you can look forward to either higher rates or even cancellation. Insurance companies give discounts to drivers who file claims infrequently. Car insurance is intended for larger claims.
  • Traffic violations increase rates – Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Just one ticket may increase your cost twenty percent or more. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Educate yourself about auto insurance coverages

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, hitting a bird and a broken windshield. The maximum payout you’ll receive from a claim 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

Collision coverage pays for damage to your Element resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, colliding with a tree, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability insurance

This will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2008 Honda Element.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like funeral costs, surgery and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

As you prepare to switch companies, you should never reduce needed coverages to save money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

We just presented a lot of ways to get a better price on 2008 Honda Element insurance. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the most savings is with the least-expected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Even more information is located at these sites: