How Much Does 2010 Honda Insight Insurance Cost?

Searching for lower car insurance rates for your Honda Insight? Are you confused by the wide range of car insurance choices? Lot’s of other consumers are too. There are so many choices that it can be a real hassle to compare prices.

Insurance Prices Online

Most companies like 21st Century, Allstate and State Farm provide insurance quotes online. Getting quotes is pretty painless as you just type in your personal and coverage information as detailed in the form. Once entered, their system will order your driving record and credit report and returns a price quote determined by many factors.

Quoting online streamlines rate comparisons, but the time required to go to each company’s website and repetitively type in the same information is monotonous and tiresome. But it is imperative to perform this step if you are searching for the lowest insurance rates.

A less time-consuming method to locate the lowest prices requires only one form to get prices from many companies. This type of form saves time, requires less work, and makes online quotes a lot less work. As soon as the form is sent, it is quoted with multiple companies and you can pick any or none of the quotes returned. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To find out how much you can save on insurance, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you replicate coverages and limits exactly as they are listed on your policy. Doing this guarantees you will have a price comparison for exact coverage.

Car insurance myths debunked

Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the ads make the same claim about savings if you switch to them. How can each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. For example, a driver they prefer might be between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and as a result will probably save when they switch companies.

Potential customers who do not match these standards must pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently make the claims of big savings. This illustrates why you should quote coverage with many companies. It’s just too difficult to predict which car insurance company will provide you with the cheapest Honda Insight insurance rates.

Discounts are basically free money

Car insurance companies don’t list every discount in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • Auto/Home Discount – If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Insight coverage with select insurance companies.
  • Resident Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.

It’s important to understand that many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

Companies that may have some of the above discounts include:

It’s a good idea to ask every prospective company how you can save money. Some discounts might not apply in your area.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you might need an agent’s assistance.

  • Should I buy full coverage?
  • How can I find cheaper teen driver insurance?
  • Do all my vehicles need collision coverage?
  • Is my camper covered by my car insurance policy?
  • Should I bundle my homeowners policy with my auto?
  • When would I need additional glass coverage?
  • How much liability do I need to cover my assets?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance policy coverages for a Honda Insight

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance can cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like medical expenses, attorney fees and funeral expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2010 Honda Insight.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle, falling objects and a broken windshield. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

This coverage will pay to fix damage to your Insight resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, driving through your garage door, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for things like rehabilitation expenses, hospital visits, EMT expenses, funeral costs and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

A penny earned…

We just covered a lot of techniques to reduce 2010 Honda Insight insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the best prices are with the least-expected company.

When shopping online for insurance, don’t be tempted to reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The aim is to find the BEST coverage at the best price while not skimping on critical coverages.

Affordable insurance is attainable both online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

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