View 2017 Honda Clarity Insurance Quotes

Searching for lower auto insurance rates? Consumers have lots of choices when looking for affordable Honda Clarity insurance. They can either waste time struggling with agents to compare prices or save time using the internet to compare rates. There is a better way to compare auto insurance rates so you’re going to learn the best way to compare rates on a Honda and locate the best price possible from local insurance agents and online providers.

If you have a policy now or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. This article will help you learn how car insurance quotes work and some tips to save money. Consumers only need to know the most efficient way to get comparison rates over the internet.

How to shop auto insurance online

Many insurance companies like State Farm, Allstate and Geico provide prices for coverage direct online. This process is quite easy because you just enter your coverage preferences into the quote form. Behind the scenes, their quoting system automatically orders your credit score and driving record and generates pricing information.

Online price estimates simplifies rate comparisons, but the work required to visit a lot of sites and type in the same data is a waste of time. But it is imperative to have as many quotes as possible if you want to get better prices.

The smarter way to compare rates uses just one form that gets price quotes from several companies at one time. It saves time, requires much less work on your part, and makes price shopping online much easier. After sending your information, it is rated and you can choose any of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To get comparison pricing now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended that you enter coverages and limits exactly as shown on your declarations page. Doing this guarantees you will be getting a fair comparison for similar coverage.

More discounts mean cheap premiums

Insuring your fleet can be pricey, but discounts can save money and there are some available that can dramatically reduce your bill. Certain credits will be shown at the time you complete a quote, but occassionally some discounts must be requested specifically before they will apply. If you don’t get every credit available, you are not getting the best rate possible.

  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Clarity coverage depending on your car insurance provider.
  • Multiple Vehicles – Buying insurance for multiple cars or trucks with the same car insurance company can reduce rates for all insured vehicles.
  • Bundled Policy Discount – If you combine your auto and home policies and insure them both with the same insurance company you may earn up to 20% and get you affordable insurance.
  • Early Renewal Discounts – A few insurance companies allow discounts for switching companies prior to the expiration date on your current policy. This can save 10% or more.
  • Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
  • Service Members Pay Less – Having an actively deployed family member could be rewarded with lower rates.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.
  • Good Driver Discounts – Drivers without accidents could pay up to 40% less on Clarity coverage than less cautious drivers.
  • Payment Method – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Clubs and Organizations – Joining a qualifying organization is a simple method to lower premiums when getting a insurance quote.

Don’t be shocked that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

Large car insurance companies and a selection of discounts are included below.

  • Progressive has savings for multi-vehicle, continuous coverage, online signing, homeowner, multi-policy, and good student.
  • MetLife offers discounts including accident-free, claim-free, good driver, multi-policy, and good student.
  • Mercury Insurance has discounts for type of vehicle, low natural disaster claims, good driver, age of vehicle, multi-car, and good student.
  • Nationwide discounts include Farm Bureau membership, family plan, defensive driving, anti-theft, good student, accident-free, and multi-policy.
  • Geico policyholders can earn discounts including military active duty, anti-lock brakes, five-year accident-free, anti-theft, and emergency military deployment.
  • AAA may include discounts for anti-theft, multi-car, multi-policy, education and occupation, good student, AAA membership discount, and good driver.

If you need lower rates, check with each insurance company how you can save money. Some of the discounts discussed earlier may not apply in your area. For a list of car insurance companies that can offer you the previously mentioned discounts, click here.

Honda Clarity insurance price factors

An important part of buying insurance is that you know the different types of things that aid in calculating the level of your policy premiums. If you know what impacts premium levels, this helps enable you to make changes that may reward you with better insurance rates. Many different elements are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, but other criteria are less apparent such as your credit history and annual miles driven.

  • Costs for men may be higher – Statistics demonstrate that women are safer drivers than men. It does not mean males are worse at driving than females. Both genders are responsible for auto accidents in similar percentages, but guys cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage so they pay the highest premiums.
  • Tough employer may mean higher prices – Do you have a high-stress occupation? Occupations such as lawyersair traffic controllers and dentists are shown to have higher premiums than the average policyholder because of high stress levels and lengthy work days. Conversely, professions such as actors, engineers and the unemployed pay the least on Clarity coverage.
  • Alarm systems systems cut insurance rates – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.
  • Premiums drop with age – Beginning drivers are statistically proven to be easily distracted when at the wheel of a vehicle therefore insurance rates are much higher. Parents adding a beginning driver onto your insurance will cause a huge premium hike. More experienced drivers are viewed as being more responsible, cause fewer claims and accidents , and usually have better credit.
  • Pleasure use or commuting – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Many insurance companies calculate rates determined by how the vehicle is used. Autos that have low annual miles cost less to insure than those used for commuting. Double check that your declarations sheet is showing the right rating data, because improper ratings can cost you money. Improper usage on your Clarity may be costing you.

It’s not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you might need professional guidance.

  • What can I do if my company won’t pay a claim?
  • Can my teen drive my company car?
  • Is my nanny covered when driving my vehicle?
  • Where can I get insurance after a DUI in my state?
  • Does my car insurance cover rental cars?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, a broken windshield, hitting a deer, a tree branch falling on your vehicle and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as doctor visits, nursing services and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Liability insurance

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

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. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, attorney fees and bail bonds. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Honda Clarity.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

Collision insurance pays for damage to your Clarity caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Saving money makes a lot of cents

More affordable auto insurance can be purchased on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide rates over the internet and usually these small insurance companies work with local independent agencies.

When searching for low cost insurance quotes, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

People leave their current company for any number of reasons including policy cancellation, poor customer service, questionable increases in premium and even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Even more information is located in these articles: