2011 Honda Insight Car Insurance Quotes

Looking for better car insurance rates for your Honda Insight? Shopping for the cheapest car insurance on the internet may be problematic for consumers new to comparing rates online. With dozens of insurance companies available, how can anyone possibly compare every company to locate the best available price?

Smart consumers take time to get comparison quotes periodically because rates are constantly changing. Despite the fact that you may have had the best rates on Insight coverage two years ago other companies may now be cheaper. You can find a lot of wrong information about car insurance on the internet, so with this article, you’re going to get the easiest ways to find cheap car insurance.

Car Insurance Comparison Rates

All the larger car insurance companies provide prices online. Getting online quotes doesn’t take a lot of time as you simply enter your personal and coverage information as detailed in the form. When the form is submitted, the company’s rating system requests your driving record and credit report and returns a price quote.

Online quotes simplifies rate comparisons, but the process of having to visit many different websites and complete many quote forms is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible if you are searching for the best price on car insurance.

The preferred way to compare car insurance pricing makes use of a single form that obtains quotes from more than one company. It saves time, requires much less work on your part, and makes online shopping much more enjoyable. Once the form is submitted, your coverage is rated and you are able to buy any of the quotes that you receive. If you find a better price you can simply submit the application and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

To quickly compare rates using this form now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend that you enter the coverages as shown on your current policy. This guarantees you will be getting an apples-to-apples comparison based on similar coverages.

Lower rates by qualifying for discounts

Car insurance companies don’t always list every discount in an easy-to-find place, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Club Memberships – Being a member of a professional or civic organization could qualify you for a break on auto insurance on Insight coverage.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Homeowners Discount – Owning a house can help you save on auto insurance because owning a home shows financial diligence.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% on Insight coverage with a few auto insurance companies.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.

It’s important to note that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

To see a list of companies with the best auto insurance discounts, click here to view.

Car insurance is unique, just like you

When buying adequate coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if you will benefit from professional help.

  • Am I covered when driving a rental car?
  • Should I put collision coverage on all my vehicles?
  • How many claims can I have before being cancelled?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my 2011 Honda Insight covered for flood damage?
  • When do I need to add a new car to my policy?
  • Which is better, split liability limits or combined limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is PIP insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Some factors that can determine what Honda Insight insurance costs

Consumers need to have an understanding of the factors that help determine insurance coverage rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

The following are a few of the “ingredients” companies use to determine prices.

  • High deductibles save money – Physical damage deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage from fire, and burglary. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on Insight coverage.
  • No coverage gaps is important – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.
  • The more you drive the more you pay – The more you drive in a year’s time the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. Make sure your insurance coverage policy is showing the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Insight may be costing you.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and membership fees may be wasting your money. These coverages may sound good when talking to your agent, but your needs may have changed so get rid of them and save.

Car insurance coverages explained

Learning about specific coverages of car insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage

Collision insurance pays for damage to your Insight from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, rolling your car, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, theft, damage from flooding, vandalism and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as doctor visits, ambulance fees and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Insight.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.


Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as court costs, structural damage, repair costs for stationary objects, bail bonds and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Have money to burn

Throughout this article, we presented many ways to compare 2011 Honda Insight insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

People switch companies for a number of reasons such as extreme rates for teen drivers, delays in paying claims, unfair underwriting practices and high rates after DUI convictions. No matter why you want to switch, finding a new car insurance company is easier than you think.

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