Compare 2010 Honda Element Insurance Rates

Looking for cheaper auto insurance rates for your Honda Element? Finding cheaper insurance for your Honda Element can normally be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to quote coverages for a new or used Honda and find the best price possible either online or from local insurance agents.

You should make it a habit to compare prices at least once a year due to the fact that insurance rates tend to go up over time. If you had the best deal for Element coverage last year the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper auto insurance.

If you have a current insurance policy or are looking for a new policy, you can learn to shop for the lowest rates while maximizing coverage. Locating affordable coverage can be fairly easy. Drivers just need to learn the proper methods to compare rates online.

Honda Element rate determination is complex

It’s important that you understand the different types of things that help determine auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

  • Do you work long hours in a high stress job? – Occupations like lawyers, executives and accountants are shown to have higher rates than average due to high stress levels and lengthy work days. On the flip side, professions such as farmers, athletes and the unemployed pay the least for Element coverage.
  • Extra add-on coverages are wasting money – There are a ton of additional coverages that you can get tricked into buying on your 2010 Element policy. Coverages like vanishing deductibles, accidental death and term life insurance are some examples. They may seem like a good idea at first, but if they’re wasting money get rid of them and save.
  • Bundling policies can get discounts – Many insurance companies give discounts to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. If you currently are using one company, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still find a better deal by buying auto insurance from a different company.
  • Do you have enough liability coverage? – The liability section of your policy will protect you if a jury decides you are liable for personal injury or accident damage. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Honda Element has ratings of a minimum four stars on or an “acceptable” rating on you may qualify for a discount.
  • Keep rates low by being claim-free – Car insurance companies award cheaper rates to people who are claim-free. If you file claims often, you can definitely plan on either higher rates or even cancellation. Your insurance policy is designed for major claims that would cause financial hardship.
  • Being married can save on auto insurance – Getting married helps lower the price on your policy. It is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Careful drivers pay lower rates – Good drivers get better rates than bad drivers. Only having one moving violation can increase rates by as much as thirty percent. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 to the state department of motor vehicles in order to continue driving.

Free Quotes for Insurance Coverage

Performing a rate comparison can be exhausting if you aren’t aware of the easiest way. You could spend your day discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and at least one company provides a quote determined by their information. This prevents consumers from doing quotation requests for every insurance coverage company.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is you cannot specify the companies to get quotes from. If you prefer to choose specific insurance companies for rate comparison, we put together a list of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just compare apples-to-apples coverage limits for each price quote. If each company quotes mixed coverages it will be next to impossible to make a fair comparison for your Honda Element.

Discounts to lower Honda Element insurance rates

Auto insurance companies do not advertise every discount very well, so the following is a list of both the well known and the more hidden discounts you could be receiving. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
  • Memberships – Participating in a qualifying organization is a good way to get lower rates on your policy for Element coverage.
  • Paperwork-free – A handful of insurance companies will give a small break for buying your policy digitally online.
  • Bundle and Save – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
  • Homeowners Savings – Owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Early Signing – A few companies offer discounts for signing up before your current policy expires. This can save 10% or more.

Consumers should know that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if you might need professional guidance.

  • Am I missing any policy discounts?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I get collision insurance on every vehicle?
  • How does medical payments coverage work?
  • Can my babysitter drive my car?
  • When can my company non-renew my policy?
  • Is my camper covered by my car insurance policy?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance coverage specifics

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision – This pays for damage to your Element resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, rolling your car, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Auto liability – This protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage, legal defense fees, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hitting a bird, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Honda Element.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses like nursing services, hospital visits, pain medications, surgery and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

In the end, you save

People who switch companies do it for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, policy cancellation or even high prices. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced full coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage at a price you can afford.

Discount 2010 Honda Element insurance can be sourced from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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