2018 Honda Clarity Insurance Cost

Consumers have many options when looking for affordable Honda Clarity insurance. They can either waste time driving around trying to get quotes or utilize the internet to find the lowest rates.

There are more efficient ways to buy car insurance so you’re going to learn the absolute fastest way to price shop coverage for your Honda and obtain the best price possible from both online companies and local agents.

It’s important to get comparison quotes periodically because rates are adjusted regularly by insurance companies. Just because you found the lowest rate on Clarity coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn the proper way to lower your rates without sacrificing coverage.

Don’t overlook these insurance discounts

Some providers don’t always advertise every possible discount very clearly, so the below list has both well-publicized and also the lesser-known credits available to lower your premiums when you buy car insurance online.

  • Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
  • Telematics Data – Drivers who elect to allow their company to study driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10% on Clarity coverage.
  • College Student – Older children who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
  • Multi-line Discount – Insurance carriers who offer life insurance give a small discount if you purchase life insurance.
  • Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on Clarity coverage but check with your company.
  • E-sign Discounts</strong – A handful of companies will give you a small discount just for signing your application digitally online.
  • No Claim Discounts – Drivers who don’t have accidents pay much less compared to bad drivers.
  • Discount for Multiple Policies – If you combine your auto and homeowners policies with the same insurance company you may earn at least 10% off all policies.
  • Military Deployment Discount – Being deployed with a military unit could qualify you for better rates.

Just know that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic. But all discounts will lower your premiums.

Companies that may have most of the discounts above are:

If you want cheaper car insurance quotes, ask every company the best way to save money. Depending on the company, some discounts may not be offered in every state.

The method we recommend to compare car insurance company rates utilizes the fact auto insurance companies participate in online systems to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details including driver ages, how much coverage you want, whether or not you need a SR-22, and if it has an alarm system. The rating information is automatically sent to insurance companies and you should receive rate quotes instantly to find the best rate.

When to get professional advice

When it comes to choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions can aid in determining if you might need professional guidance.

  • Why am I required to buy liability insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • If I drive on a suspended license am I covered?
  • Why does it cost so much to insure a teen driver?
  • I have health insurance so do I need medical payments coverage?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection

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

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and hail damage. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, ambulance fees, doctor visits, chiropractic care and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Honda Clarity.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

This covers damage to your Clarity caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Liability auto insurance

This provides protection from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like bail bonds, loss of income and medical services. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Have the Midas touch

More affordable auto insurance is possible on the web and from local agencies, and you should be comparing both to have the best chance of lowering rates. Some companies may not offer rate quotes online and these smaller providers only sell coverage through independent agencies.

We’ve covered a lot of tips how to lower your 2018 Honda Clarity insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper car insurance. Consumers could even find that the best price on auto insurance is with an unexpected company.

While you’re price shopping online, you should never reduce coverage to reduce premium. In many cases, someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The ultimate goal is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Additional auto insurance information is available at the links below