2011 Honda Insight Insurance Quotes – 8 Tips for Best Rates

Looking for cheaper auto insurance rates for your Honda Insight? Finding cheaper insurance for a Honda Insight can be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to compare auto insurance rates and we’ll show you the best way to quote coverages on a Honda and obtain the best price possible either online or from local insurance agents.

If you have a policy now or need new coverage, you can use these tips to find better prices while maintaining coverages. Pricing the cheapest insurance coverage is simple if you know the tricks. Drivers only need to know the proper way to compare price quotes over the internet.

Finding insurance

Reducing your 2011 Honda Insight insurance rates is pretty simple and can save money. Consumers just need to take a couple of minutes comparing rate quotes from some recommended companies. It is quite easy and can be accomplished by using one of the methods below.

• The single most time-saving way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method eliminates the need for a different quote for each price estimate. One simple form will return price quotes from several companies. Just one form and you’re done.
• A more difficult way to compare rate quotes is going to the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you want to compare rates from State Farm, Safeco and Progressive. In order to get each rate, you would have to navigate to each company’s site to enter your coverage information, which can be really labor intensive. To view a list of companies in your area, click here.
• The final way to get price estimates is driving to insurance agents’ offices. Quoting and buying insurance online reduces the need to sit down with an agent unless you prefer the guidance of a local agency. If you prefer, some companies allow you to find lower rates online but have a local agent actually write the policy.

It’s up to you how you get prices quotes, just make sure you compare nearly identical coverage information on every quote. If each company quotes mixed coverages it will be next to impossible to determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if you would benefit from professional advice.

• Am I covered if I break a side mirror?
• What companies insure drivers after a DUI or DWI?
• Am I covered when delivering products for my home-based business?
• Exactly who is provided coverage by my policy?
• Do I need motorclub coverage?
• Does car insurance cover theft of personal property?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is the difference between comprehensive and collision coverage?
• What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Auto liability

Liability insurance can cover damage that occurs to people or other property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, bail bonds and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like surgery, EMT expenses, chiropractic care, hospital visits and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism and damage from getting keyed. The highest amount 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 it’s not worth carrying full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Insight from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, rolling your car, hitting a parking meter, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.