Buying Insurance for Your Honda Insight Just Got A Whole Lot Cheaper

Trying to find the cheapest insurance for your Honda Insight can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to buy auto insurance and you need to know the proper way to price shop coverage for your Honda and find the lowest possible price either online or from local insurance agents.

You should take the time to get comparison quotes yearly due to the fact that insurance prices change regularly. Just because you found the best quotes for Insight coverage last year the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, but I’m going to show you some good information on how to find affordable auto insurance.

How You Can Control Honda Insight Insurance Premiums

Multiple criteria are taken into consideration when quoting car insurance. Some of the criteria are obvious like an MVR report, but some are more transparent such as your marital status or how safe your car is.

Never allow your auto insurance to lapse – Driving any period of time without insurance can get you a ticket and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance may result in a fine, jail time, or a revoked license.
Do you really need to file that insurance claims? – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Auto insurance companies generally give lower rates to people who do not file claims often. Auto insurance is intended for larger claims.
Drive fewer miles and save – The higher the mileage driven in a year the more you’ll pay to insure it. The majority of insurers rate vehicles based upon how the vehicle is primarily used. Vehicles left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Insight can cost quite a bit.
Rates can drop if you have more than one policy – Lots of insurers apply a discount to customers who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, it’s still a good idea to get quotes from other companies to verify if the discount is saving money.
Your car’s features help determine rates – Choosing to buy a car with a theft deterrent system can get you a discount on your auto insurance. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
Physical damage deductibles – Comp and collision deductibles are how much you are required to spend if you file a covered claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are a windshield broken by a bird, damage from fire, and having a roll-over accident. The more money you’re willing to pay, the less your company will charge you for insurance for Insight coverage.
Lower performance equals lower insurance prices – The type of vehicle you own makes a big difference in your premium level. The lowest premiums are for smaller low performance passenger cars, but many other things help determine your insurance rates. Since the Honda Insight is classified as a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live.
Liability insurance limits are a factor – Your policy’s liability coverage provides coverage if ever you are responsible for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

auto insurance discounts

Buying auto insurance is not cheap, but you can get discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be asked about before you will receive the discount.

New Car Discount – Buying insurance coverage on a new vehicle can save you some money because new vehicles have to meet stringent safety requirements.
Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
Distant College Student Discount – Youth drivers who are attending college and won’t have access to an insured vehicle can receive lower rates.
Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy some life insurance in addition to your auto policy.
Multiple Vehicles – Having multiple cars or trucks with one company can reduce the rates for all insured vehicles.
Bundled Policy Discount – If you insure your home and vehicles with the same insurance company you will save as much as 10 to 15 percent.

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way.

If you would like to choose from a list of insurance companies that offer many of these discounts, click here to view. free insurance quote

Car insurance agents can help

Certain consumers still prefer to buy from a local agent and doing that can be a smart decision One of the great benefits of getting online price quotes is that drivers can save money and get the best rates but still work with a licensed agent.

Once you complete this short form, your insurance data gets sent to local insurance agents who can give free rate quotes for your business. You won’t need to find an agent because quoted prices will be sent straight to your inbox. It’s the lowest rates and an insurance agent to talk to. If you need to compare prices from a particular provider, you would need to navigate to their website and give them your coverage information.

Selecting an provider needs to be determined by more than just the quoted price. A good agent will have answers to these questions.

Are they properly licensed to sell insurance in your state?
Are aftermarket or OEM parts used to repair vehicles?
Do they offer claims assistance after hours?
Do they offer accident forgiveness?
Which insurance companies are they affiliated with?
What insurance companies do they recommend if they are an independent agent?

If you are wanting to find a reliable agent, you must know there are a couple types of agencies and how they are distinctly different. Auto insurance policy providers can be described as either captive or independent.

Captive Agents

These agents can only quote rates from one company and some examples include Farmers Insurance, State Farm, or Allstate. Captive agencies are unable to give you multiple price quotes so keep that in mind. Captive insurance agents are well schooled in insurance sales which helps overcome the inability to quote other rates. Drivers often use the same captive agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

Independent Auto Insurance Agents

Independent agencies often have affiliation with several companies and that allows them to write policies with many different companies and find you cheaper rates. To move your coverage to a new company, an independent agent can move your coverage and the insured can keep the same agent. When comparing auto insurance prices, we recommend you compare quotes from at least one independent agent to have the most options to choose from. Most have the option of insuring with small mutual carriers that may provide cheaper auto insurance rates.

To view agents near you, this page can help to find an insurance agent.

In the end, you save

Insureds switch companies for any number of reasons including policy cancellation, unfair underwriting practices, high prices and even delays in paying claims. Whatever your reason, finding the right auto insurance provider is not as difficult as it may seem.

There are still a few companies who may not offer the ability to get a quote online and many times these smaller providers only sell coverage through independent agents. Affordable Honda Insight insurance can be found on the web as well as from independent agents, so compare prices from both to have the best selection.

We’ve covered quite a bit of information on how to get a better price on Honda Insight insurance. It’s most important to understand that the more you , the better chance you’ll have of finding . You may even find the best price on auto insurance is with the least-expected company.