Lower Your 2000 Honda Insight Insurance Rates

Looking for the cheapest car insurance rates for your Honda Insight? Finding the cheapest insurance for a Honda Insight can turn out to be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to compare car insurance rates and we’ll show you the proper way to price shop coverage for your Honda and obtain the lowest price from both online companies and local agents.

It is always a good idea to get comparison quotes as often as possible since prices trend upward over time. Even if you got the lowest price for Insight coverage two years ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re going to get a crash course in the proper way to remove unneeded coverages and save money.

Verify you’re receiving every discount

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you purchase, but some must be inquired about before you get the savings.

• Low Mileage – Low mileage vehicles may enable drivers to earn discounted insurancerates on garaged vehicles.
• Discount for Life Insurance – Insurance carriers who offer life insurance give a lower insurance rate if you buy some life insurance in addition to your auto policy.
• Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% for Insight coverage but check with your company.
• Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class in high school.
• Multiple Cars – Buying coverage for several vehicles on one policy can reduce the rates for all insured vehicles.
• Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Insight coverage than their less cautious counterparts.
• Good Students Pay Less – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students up to age 25.

A little disclaimer on discounts, some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will definitely reduce the cost of your policy.

Some companies who may offer most of the discounts above include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

When comparing rates, check with every company which discounts they offer. Some discounts might not be offered on policies in every state.

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First Step: Get free insurance coverage quotes

Most companies such as Progressive, Geico, Allstate and State Farm allow consumers to get price estimates direct online. Comparing rates online is quite easy as you just type in your required coverages into a form. Behind the scenes, their quoting system obtains credit information and your driving record and returns a price based on these factors.

Online price estimates streamlines rate comparisons, but the time required to go to a lot of sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible if you want to get better prices.

Isn’t there an easier way to compare rates?

A more efficient way to compare rates uses just one form that analyzes rates from several different companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much easier. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the quote results. If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

If you want to fill out one form to compare multiple rates now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate the coverage information identical to your current policy. Using the same limits helps guarantee you are getting rate comparison quotes using the same coverage and limits.

Honda Insight insurance rates can be lower

Part of the insurance coverage buying process is learning the different types of things that help calculate the price you pay for insurance coverage. If you have some idea of what impacts premium levels, this helps enable you to make changes that may result in better insurance coverage rates. Many factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but other criteria are more obscure like your continuous coverage or your vehicle rating.

• Liability coverage claims can be big – The liability coverage on your policy will afford coverage when you are responsible for damages caused by your negligence. Your liability coverage provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so do not skimp.
• Consolidate policies and save – Most major insurers allow discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. The discount can add up to five, ten or even twenty percent. Even with this discount, you may still want to compare other insurance prices to verify if the discount is saving money. You may still save even more than the discount by splitting coverages up.
• If you don’t need it don’t buy it – There are quite a few add-on coverages that sound like a good idea at the time on your Insight policy. Things like vanishing deductibles, towing, and membership fees may be costing you every month. The coverages may be enticing when you first buy your policy, but your needs may have changed so remove them and pocket the money.
• The more you drive the more you pay – Driving a lot of miles each year the more you will pay for insurance coverage. A lot of companies calculate rates based on how the vehicle is used. Cars not used for work or commuting can get a lower rate than cars that get driven a lot. It’s a good idea to make sure your declarations sheet shows the correct driver usage. Incorrect rating for your Insight may be costing you higher rates.
• Teen drivers pay high rates – Youthful drivers are statistically proven to be inattentive behind the wheel so they pay higher insurance coverage rates. Older insureds are more cautious drivers, file fewer claims and get fewer tickets.
• Discounts for married drivers – Having a significant other may earn you lower rates on your insurance coverage policy. Marriage may mean you are more mature and responsible and insurance companies like that married drivers tend to file fewer claims.
• Reduce premiums by driving safer vehicles – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts passed on to you as lower rates. If your Honda Insight earned at least four stars on Safercar.gov it may be receiving lower rates.

When should I discuss my situation with an agent?

When buying the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different.

For example, these questions might help in determining if your situation will benefit from professional help.

• Why am I be forced to buy a membership to get insurance from some companies?
• Should I file a claim if it’s only slightly more than my deductible?
• Are my tools covered if they get stolen from my vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• What can I do if my company denied a claim?
• Am I covered if I wreck a rental car?
• Do all my vehicles need collision coverage?
• Does my liability insurance cover pulling a trailer or camper?
• What are the financial responsibility laws in my state?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

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Will you really save $411 on auto insurance?

Drivers can’t get away from ads for cheaper auto insurance by companies like Progressive, Geico, Allstate and State Farm. They all make an identical promise that drivers can save some big amount just by moving your policy.

How does every auto insurance company charge less that you’re paying now? It’s all in how they say it.

Different companies have a certain “appetite” for the type of customer that is profitable for them. An example of a preferred risk may be over age 30, is a homeowner, and has a short commute. A driver that meets those criteria will most likely get cheap car insurance rates and will probably cut their rates substantially.

Consumers who fall short of those criteria will be quoted higher premiums with the end result being the customer buying from someone else. The ads say “people that switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the savings. Because each company has a different risk profile, it is so important to get price quotes at each policy renewal. Because without a comparison, you cannot know with any certainty which company will have the lowest rates.

Car insurance coverage information

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like vandalism, fire damage, a broken windshield, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like EMT expenses, surgery, nursing services, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2000 Honda Insight.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

This pays for damage to your Insight resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Auto liability

This will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like funeral expenses, court costs, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

In Summary

Budget-friendly insurance coverage is possible both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer rate quotes online and these smaller providers provide coverage only through local independent agencies.

People leave their current company for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, policy non-renewal or even delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

We covered some good ideas how to compare 2000 Honda Insight insurance rates online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest rates are with an unexpected company.

To read more, feel free to visit the following helpful articles:

• What is Full Coverage? (Allstate)
• A Tree Fell on Your Car: Now What? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Liability Insurance Coverage (Nationwide)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)

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