Lower Your 2001 Honda Insight Insurance Rates

Want lower insurance rates for your Honda Insight? Feel like you’re a prisoner to overpriced insurance? Believe me when I say there are lots of people in the same boat. Many insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company to discover the definitive best rate

It’s a great practice to do rate comparisons at least once a year because insurance rates tend to go up over time. Even if you think you had the best price for Insight insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to find out the fastest and easiest way to eliminate unnecessary coverages and save money.

If you have insurance now or are just looking to switch companies, you can follow these tips to cut your premiums and possibly find even better coverage. Buying car insurance is quite easy. Consumers just need to understand how to shop online.

Quick Insurance Quotes

There are a variety of methods you can shop for 2001 Honda Insight insurance and some are less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you can utilize the web to get prices fast.

The majority of car insurance companies take part in a program where insurance shoppers submit one quote, and each company returns a competitive quote determined by their information. This prevents consumers from doing quote forms to each individual insurance company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of form is you are unable to specify which providers to get quotes from. So if you want to choose from a list of companies to compare prices, we have assembled a list of insurance companies in your area. Click here to view list.

Whichever method you choose, make darn sure you compare identical coverages for each price quote. If you compare different liability limits it’s not possible to determine which rate is truly the best.

Discounts on 2001 Honda Insight insurance

Properly insuring your vehicles can get expensive, but you can get discounts that many people don’t even know exist. Some discounts apply automatically at quote time, but a few must be inquired about prior to receiving the credit. If you’re not getting every credit you qualify for, you are throwing money away.

  • Homeowners Savings – Owning a home can save you money because owning a home shows financial diligence.
  • Accident Free – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Drive Less and Save – Keeping the miles down on your Honda can qualify you for discounted rates on garaged vehicles.
  • Student in College – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Paperwork-free – A few companies give back up to $50 just for signing your application digitally online.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.

It’s important to understand that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut your overall premium however.

For a list of companies with discount car insurance rates, follow this link.

Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might point out if you could use an agent’s help.

  • Is my cargo covered for damage or theft?
  • What is the difference between comprehensive and collision coverage?
  • How much liability coverage do I need in my state?
  • Will my rates increase for filing one claim?
  • What is roadside assistance coverage?
  • When should I not file a claim?
  • I don’t drive much so do I pay less?
  • If my pet gets injured in an accident are they covered?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

Coverage specifics

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Medical costs insurance

Med pay and PIP coverage pay for bills for things like nursing services, pain medications and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision protection

This pays for damage to your Insight from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, driving through your garage door, hitting a mailbox, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM Coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2001 Honda Insight.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, a broken windshield, hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

This protects you from damage or injury you incur to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for 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 liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like loss of income, pain and suffering and emergency aid. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.