2014 Honda Insight Car Insurance Rates

Want cheaper insurance rates? Drivers have lots of choices when trying to find the best price on Honda Insight insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to compare rates. There are both good and bad ways to find insurance online and you need to know the proper way to quote coverages on a Honda and locate the lowest price either online or from local insurance agents.

Save money with these discounts

Buying insurance is not cheap, but you may find discounts that you may not even know about. Some of these disounts will be visible at the time you complete a quote, but lesser-known reductions have to be manually applied before you will receive the discount.

• Multiple Policy Discount – When you have multiple policies and place coverage with the same company you could earn a discount of over 10 percent off each policy depending on the company.
• Sign Online – Some companies will provide an incentive shop car insurance digitally online.
• College Student Discount – Children who live away from home to go to college and leave their car at home could qualify for this discount.
• Multi-line Discount – Insurance companies who offer life insurance give a lower rate if you buy some life insurance in addition to your auto policy.
• No Accidents – Claim-free drivers pay less when compared with insureds who have frequent claims or accidents.
• Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
• Drive Less and Save – Driving fewer miles may enable drivers to earn discounted premium rates on garaged vehicles.
• Discounts for Seat Belt Usage – Requiring all passengers to buckle up could save 15% on medical payment and PIP coverage.
• Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will let one accident slide before raising your premiums as long as you don’t have any claims for a specific time period.
• Defensive Driver Discount – Passing a defensive driving class may get you a small discount and easily recoup the cost of the course.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think you could get a free insurance policy, it doesn’t quite work that way.

Some of the insurance companies that may have these benefits include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you need lower rates, check with every insurance company which discounts they offer. A few discounts may not apply to policyholders in every state. To find providers with discount rates, click here to view.

The best way to compare insurance rates in your area takes advantage of the fact almost all companies provide online access to compare their rates. The only thing you need to do is provide a small amount of information including if you’re married, your general credit rating, your occupation, and which vehicles you own. Your insurance information is then submitted to multiple different insurance companies and they return quotes instantly.

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Honda Insight insurance premium factors

It’s important that you understand a few of the rating criteria that are used to determine the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with big savings. Many things are taken into consideration when you get your auto insurance bill. Some are obvious like a motor vehicle report, but others are not as apparent like your continuous coverage and annual miles driven.

The itemized list below are a few of the “ingredients” used by your company to calculate prices.

• Lower rates with no policy lapses – Driving with no insurance is a misdemeanor and you may have a hard time finding new coverage because you let your coverage lapse. Not only will you pay higher rates, not being able to provide proof of insurance may earn you fines and jail time. You may then have to file a SR-22 with your state department of motor vehicles.
• Bad driving leads to higher premiums – Drivers who don’t get tickets get better rates compared to bad drivers. Even a single chargable violation may cause rates to rise by as much as thirty percent. Drivers with serious tickets like DUI or reckless driving may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.
• Premiums and your address – Living in less populated areas of the country may provide you with better prices when insuring your vehicles. Fewer drivers means fewer accidents. People who live in big cities regularly have more aggressive driving styles and much longer commute distances. More time commuting means a statistically higher chance of an accident.
• Safeguard your assets with liability coverage – A critical coverage on your policy, liability insurance is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Insurance coverage can be complex

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

Here are some questions about coverages that can help discover whether you could use an agent’s help.

• What should my uninsured motorist coverage limits be in my state?
• How can I force my company to pay a claim?
• Is my trailer covered?
• Can I rent a car in Mexico?
• Is my camper covered by my car insurance policy?
• How do I buy GAP insurance?
• How can I get my company to pay me more for my totalled car?
• Can I afford low physical damage deductibles?
• Is my ex-spouse still covered by my policy?
• Why am I required to buy liability insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from a tornado or hurricane, vandalism, fire damage and theft. The most you can receive from a comprehensive claim is the market value of your 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 protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2014 Honda Insight.

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 should not be overlooked.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, sideswiping another vehicle, driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like ambulance fees, EMT expenses, doctor visits, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not 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. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, loss of income, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

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Save your hard earned cash

Cheaper 2014 Honda Insight insurance is available on the web and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these smaller companies work with local independent agencies.

We covered many tips how you can compare 2014 Honda Insight insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of getting affordable car insurance. You may even discover the best price on insurance is with a lesser-known regional company.

When getting car insurance quotes online, make sure you don’t reduce coverage to reduce premium. There have been many situations where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

Other articles

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)

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