Cheaper 2010 Honda Insight Insurance Cost

Are you tired of trying to scrape together enough money each month for car insurance? You are no different than many other consumers. Insurance companies such as Geico, Progressive and Allstate constantly bombard you with advertising and it is difficult to see past the corporate glitz and take the time to shop coverage around.

You should make it a habit to price shop coverage yearly because insurance rates trend upward over time. Just because you had the best price for Insight coverage a couple years back you can probably find a better price now. Block out anything you think you know about insurance because you’re about to learn the proper way to find great coverage at a great price.

If you have insurance now or are looking for a new policy, you can use these techniques to get lower rates while maintaining coverages. Finding the best rates is not rocket science. Drivers only need an understanding of the most effective way to shop online.

Comparison of Insurance Coverage

Most companies allow you to get prices for coverage directly from their websites. Getting online quotes is pretty easy as you simply enter your personal and coverage information into a form. Once entered, the company’s rating system sends out for information on your driving record and credit history and generates a price based on these and other factors. Being able to quote online simplifies rate comparisons, but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. But it is imperative to get many rate quotes if you are searching for a lower rate.

The preferred way to find lower prices requires only one form that gets prices from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much easier. As soon as the form is sent, it is rated and you can select any one of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly compare rates now, click here and enter your information. If you have coverage now, it’s recommended that you enter coverages and limits as close as possible to your current policy. This helps ensure you’re receiving a rate comparison based on the exact same insurance coverage.

Cut your insurance rates with discounts

Companies that sell car insurance do not advertise every discount in a way that’s easy to find, so we took the time to find both the well known and the more hidden insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for Insight coverage than less cautious drivers.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • E-sign – Some insurance companies may give you up to $50 just for signing your application on their website.
  • No Claims – Drivers who don’t have accidents pay much less compared to bad drivers.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
  • Senior Discount – Older drivers may qualify for better insurance rates for Insight coverage.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that may offer these benefits include:

Double check with each insurance company how you can save money. Savings might not be offered everywhere.

You are unique and your insurance should be too

When buying the right insurance coverage, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • When can my company non-renew my policy?
  • Do I have newly-aquired coverage?
  • Should I carry comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need roadside assistance coverage?
  • Can my babysitter drive my car?
  • Is extra glass coverage worth it?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If my pet gets injured in an accident are they covered?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Why you might be paying too much to insure your Honda Insight

It’s important that you understand the rating factors that help determine your car insurance rates. Understanding what determines base rates empowers consumers to make smart changes that may reward you with big savings.

The following are some of the items used by your company to calculate rates.

  • Don’t buy coverages you don’t need – There are quite a few extra coverages that can waste your money when buying car insurance. Things like rental car reimbursement, accident forgiveness and additional equipment coverage may be wasting your money. These coverages may sound good when you first buy your policy, but now you might not need them so remove them from your policy.
  • Liability insurance protects assets – The liability section of your policy will protect you if you are found liable for personal injury or accident damage. It provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Too many car insurance claims drive up costs – Companies award cheaper rates to people who do not file claims often. If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Lower miles equals lower premium – Driving more miles in a year the higher your rates will be. Most companies price each vehicle’s coverage based upon how you use the vehicle. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. If your policy improperly rates your Insight can cost quite a bit. Double check that your car insurance coverage is showing the proper vehicle usage.
  • Bundling policies can get discounts – Many insurance companies give discounts to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even though this discount sounds good, you still need to compare other company rates to verify if the discount is saving money. You may still find better rates by buying insurance from more than one company.
  • Rates may be lower depending on your job – Jobs such as judges, architects and accountants tend to have higher rates than average in part from high stress levels and long work days. On the flip side, occupations such as pilots, athletes and the unemployed receive lower rates for Insight coverage.
  • Younger drivers pay higher rates – More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Youthful drivers tend to get distracted easily when driving therefore car insurance rates are much higher.
  • Cautious drivers pay less – Careful drivers have lower premiums than their less careful counterparts. Only having one citation can boost insurance rates by as much as thirty percent. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.

Auto insurance coverage information

Understanding the coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Collision – This will pay to fix damage to your Insight resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, crashing into a ditch, driving through your garage door, hitting a parking meter and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection – This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, damage from getting keyed, rock chips in glass, hitting a bird and a broken windshield. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills like funeral costs, doctor visits, dental work and hospital visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as medical services, medical expenses, emergency aid, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2010 Honda Insight.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

What is YOUR best insurance company?

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability limits or collision coverage and learned later that it was a big error on their part. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Throughout this article, we presented a lot of tips how to get a better price on 2010 Honda Insight insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest priced auto insurance comes from a small local company. They can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Additional auto insurance information can be found at the links below