Compare 2002 Honda Insight Insurance Rates

Looking for the cheapest auto insurance rates for your Honda Insight? Tired of paying out the nose to buy car insurance? Your situation is no different than the majority of other car owners. Having so many choices of insurance companies, it’s nearly impossible to find the most affordable car insurance company.

Low Cost Insurance Coverage

Performing a rate comparison can be challenging if you don’t understand the most efficient way. You could spend the better part of a day driving to insurance companies in your area, or you could use online quoting to get the quickest rates.

Many companies participate in an industry program that allows shoppers to submit one quote, and each company provides a quote determined by their information. This system prevents you from having to do quote forms to each company. To submit your quote information now, click to open in new window.

The one disadvantage to doing it this way is that you can’t choose the companies to get pricing from. If you prefer to choose specific providers to compare prices, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use the exact same coverages with every price quote. If your comparisons have different values for each quote then you won’t be able to make a fair comparison for your Honda Insight.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t list every available discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known auto insurance savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • No Claims – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Memberships – Belonging to a qualifying organization could qualify you for a break when shopping for auto insurance on Insight insurance.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts may not apply in your state.

Do I need special coverages?

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Does my insurance cover my expensive audio equipment?
  • When should I buy a commercial auto policy?
  • Who is covered by my policy?
  • Does insurance cover damages from a DUI accident?
  • Is business equipment covered while in my vehicle?
  • How can I get high-risk coverage after a DUI?
  • Who is covered when they drive my 2002 Honda Insight?
  • Does my insurance cover a custom paint job?
  • How much liability do I need to cover my assets?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Collision protection

Collision coverage covers damage to your Insight caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability

This coverage protects you from damage or injury you incur to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like repair bills for other people’s vehicles, emergency aid and attorney fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for things like rehabilitation expenses, nursing services and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, a broken windshield and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.