2001 Honda Insight Car Insurance Rates

Searching for cheaper insurance for a new or used Honda Insight can normally be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are more efficient ways to compare insurance coverage rates so we’re going to tell you the quickest way to quote coverages for your Honda and locate the best price possible from both online companies and local agents.

Consumers should take time to take a look at other company’s rates before your next renewal because insurance coverage rates are constantly changing. Just because you had the lowest rate on Insight coverage a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the tricks you need to know to buy cheaper insurance coverage.

Insurance price influencing factors

Lots of factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are more transparent like your continuous coverage and annual miles driven.

• Bad driving leads to higher costs – Just one moving violation can increase rates forty percent or more. Careful drivers pay lower auto insurance prices than their less careful counterparts. Drivers who have dangerous violations such as DUI or reckless driving might be required by their state to complete a SR-22 with their state motor vehicle department in order to prevent a license revocation.
• A policy lapse can increase prices – Having a gap between insurance policy dates is a sure-fire way to drive up your policy premiums. And not only will your rates increase, getting caught without coverage will get you fines and jail time.
• Drive less and get lower rates – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how you use the vehicle. Autos that are left in the garage receive better premium rates than those that get driven frequently. Having an incorrect usage rating on your Insight may be wasting your money. Make sure your auto insurance coverage is rated on the correct usage for each vehicle.
• More traffic equals higher costs – Choosing to live in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Fewer drivers translates into fewer accident claims in addition to lower liability claims Drivers who live in large cities have more auto accidents and higher rates of accident claims. More time on the road means more chances of being involved in an auto accident.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Save money by earning discounts

Insuring your vehicles can cost a lot, but there may be some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at quote time, but a few must be specially asked for prior to receiving the credit.

• Low Miles Discount – Low mileage vehicles may allow you to get substantially lower rates.
• ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
• Sign Early and Save – A few companies give discounts for signing up prior to the expiration date on your current policy. Ten percent is about the average savings.
• Senior Citizen Rates – Drivers over the age of 55 may qualify for lower premium rates on Insight coverage.
• Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer models have to meet stringent safety requirements.
• Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.
• Defensive Driver Discounts – Participating in a course that instructs on driving safety could earn you a small percentage discount depending on where you live.

It’s important to note that most discounts do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, you aren’t that lucky.

To locate car insurance companies with discount rates, follow this link.

Your insurance coverage coverage should be tailored to you

When it comes to buying the best insurance coverage coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions might point out if you might need an agent’s assistance.

• Which companies will insure high-risk drivers?
• Is my nanny covered when driving my vehicle?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I have coverage for damage caused while driving under the influence?
• I have health insurance so do I need medical payments coverage?
• At what point should I drop full coverage?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

What insurance coverages do you need?

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

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for rehabilitation expenses, nursing services and surgery. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2001 Honda Insight.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, bail bonds, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, colliding with a tree, backing into a parked car, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Money doesn’t grow on trees

The cheapest 2001 Honda Insight insurance can be sourced on the web in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not offer online rate quotes and these regional insurance providers work with independent insurance agencies.

In this article, we covered many ideas to reduce 2001 Honda Insight insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from an unexpected company.

Insureds who switch companies do it for a variety of reasons including high prices, not issuing a premium refund, an unsatisfactory settlement offer or poor customer service. Whatever your reason, finding a great new company can be less work than you think.

Additional detailed information can be read at these sites:

• Medical Payments Coverage (Liberty Mutual)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Teen Driving Statistics (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption