2000 Honda Insight Car Insurance Rates

Locating the cheapest insurance for a new or used Honda Insight could be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates.

There are more efficient ways to find auto insurance online so you’re going to learn the quickest way to price shop coverage for your Honda and locate the lowest possible price from both online companies and local agents.

You should make it a habit to compare prices on a regular basis because prices fluctuate regularly. If you had the best deal on Insight insurance on your last policy you can probably find a lower rate today. So forget all the misinformation about auto insurance because you’re going to learn the only way to save on auto insurance.

Locating the lowest cost insurance coverage coverage is quite easy. If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to cut your premiums and still get good coverage. Drivers only need an understanding of the proper methods to find the lowest price online.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be manually applied prior to receiving the credit. If they aren’t giving you every credit available, you are paying more than you should be.

  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Passive Restraint Discount – Cars that have air bags can get savings of more than 20%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Insight insurance than less cautious drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda could be rewarded with discounted rates on garaged vehicles.
  • No Accidents – Drivers who don’t have accidents pay much less as compared to frequent claim filers.

Drivers should understand that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will cut your overall premium however.

A partial list of companies that possibly offer some of the above discounts are:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not be offered in every state.

What determines your Honda Insight insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating your car insurance rates. Knowing what controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.

  • Your age impacts your rates – Older insureds are more cautious drivers, tend to cause fewer accidents and are safer drivers. Teenage drivers are known to get distracted easily when behind the wheel therefore car insurance rates are much higher.
  • Cautious drivers pay less – Even one moving violation can increase rates forty percent or more. Good drivers receive lower rates compared to drivers with tickets. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with the DMV in their state in order to keep their license.
  • Your car insurance rates can be influenced by your job – Occupations like lawyers, executives and dentists have the highest average rates due to high stress and lengthy work days. Other occupations such as pilots, historians and retirees get better rates on Insight insurance.
  • Rate your vehicle for proper use – The more you drive every year the higher your rate. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your car insurance policy properly reflects the correct driver usage. If your policy improperly rates your Insight can cost quite a bit.
  • Claim-free discounts can add up – Auto insurance companies generally give discounts to people who are claim-free. If you file claims often, you can expect either a policy non-renewal or much higher rates. Your insurance policy is designed for larger claims.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • How do I insure my teen driver?
  • What is UM/UIM insurance?
  • When should I remove comp and collision on my 2000 Honda Insight?
  • Are my friends covered when driving my 2000 Honda Insight?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving a rental car?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance coverage basics

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, damage from getting keyed, rock chips in glass and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for ambulance fees, X-ray expenses, dental work, EMT expenses and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Coverage for collisions

Collision insurance pays for damage to your Insight resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door, colliding with a tree, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverages

This will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

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 is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Have the Midas touch

Discount 2000 Honda Insight insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don’t offer online quoting and these small, regional companies work with independent agents.

People leave their current company for a number of reasons such as high rates after DUI convictions, denial of a claim, policy non-renewal and delays in paying claims. Whatever your reason, finding a new car insurance company can be less work than you think.

You just read many ways to shop for insurance online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from the least-expected company.

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