Lower Your 2014 Honda Insight Car Insurance Cost

Drivers have options when trying to find the lowest priced Honda Insight insurance. You can either spend your time driving around trying to get quotes or leverage the internet to make rate comparisons.

There is a better way to find auto insurance online and you need to know the absolute fastest way to get price quotes for a new or used Honda and get the lowest possible price from local insurance agents and online providers.

It’s important to compare rates yearly since insurance rates change regularly. If you had the best price for Insight coverage a few years ago you can probably find a lower rate today. So just forget all the misinformation about auto insurance because you’re going to get a crash course in the best way to reduce your cost while increasing coverage.

These discounts can slash car insurance rates

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you purchase, but some may not be applied and must be requested specifically before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • E-sign – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.
  • New Car Discount – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Insight coverage than their less cautious counterparts.
  • Defensive Driving Course – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • College Student – Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.

It’s important to understand that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren’t that generous. But all discounts will bring down your premiums.

Insurance companies that may offer these benefits include:

Double check with each company how you can save money. Some discounts may not be available in every state.

Quick Insurance Coverage Quotes

There are a variety of methods to compare 2014 Honda Insight insurance coverage prices but some are more efficient than others. You could spend the better part of a day driving to agents in your area, or you could save time and use the internet to get pricing more quickly.

Most major companies participate in an industry program where prospective buyers send in one quote, and at least one company provides a quote. This system prevents you from having to do form submissions for each company you want a rate for. To use this form to compare 2014 Honda Insight insurance rates click here (opens in new window).

The only downside to pricing coverage this way is buyers cannot specifically choose which companies to get pricing from. If you prefer to choose individual companies to receive pricing from, we put together a list of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, ensure you are comparing apples-to-apples quote information for every company. If each company quotes different values for each quote it will be impossible to determine which rate is truly the best.

When might I need the advice of an agent?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • If I drive on a suspended license am I covered?
  • What is high-risk coverage and where do I buy it?
  • What companies insure drivers after a DUI or DWI?
  • Are there companies who specialize in insuring high-risk drivers?
  • I don’t drive much so do I pay less?
  • Does my insurance cover a custom paint job?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Coverage specifics

Having a good grasp of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability coverages

This coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, damage from flooding, theft, a broken windshield and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision insurance covers damage to your Insight from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage kick in for bills such as rehabilitation expenses, ambulance fees, surgery, doctor visits and pain medications. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Don’t be a big spender

Discount 2014 Honda Insight insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. A few companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Consumers leave their current company for a variety of reasons including delays in paying claims, high rates after DUI convictions, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason, finding a new company can be easier than you think.

When shopping online for insurance, it’s not a good idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

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