How Much Does 2004 Honda Insight Car Insurance Cost?

Looking for lower auto insurance rates? Shoppers have options when shopping for affordable Honda Insight insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to make rate comparisons. There are more efficient ways to buy auto insurance and we’ll show you the best way to compare rates for a new or used Honda and get the best price possible from both online companies and local agents.

Consumers need to check auto insurance prices on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the best deal on Insight insurance six months ago other companies may now be cheaper. There is a lot of bad information regarding auto insurance online but I’m going to show you some of the best ways to find affordable auto insurance.

Finding the best rates is not rocket science. If you are paying for car insurance now, you should be able to save some money using this strategy. Consumers just need to learn the best way to compare prices over the internet.

The best way to get policy rate comparisons takes advantage of the fact most of the bigger providers pay for the opportunity to provide you with free rate quotes. All you need to do is give the companies some data such as driver details, the make and model of your vehicles, if it has an anti-theft system, and deductibles desired. That rating data gets transmitted to all major companies and they return quotes quickly.

To find the cheapest insurance rates, click here and see if a lower rate is available.

Don’t miss these discounts

Companies do not list every available discount in an easy-to-find place, so here is a list both the well known and also the lesser-known ways to save on insurance. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Resident Student – Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Insight insurance depending on your company.
  • Military Rewards – Being deployed with a military unit could mean lower rates.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

Car insurance companies who might offer these discounts include:

Double check with each company which discounts they offer. Some discounts may not be available in your state.

When might I need help?

When choosing coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions can help discover if you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Does insurance cover tools stolen from my truck?
  • What is the difference between comprehensive and collision coverage?
  • When should I remove comp and collision on my 2004 Honda Insight?
  • Is my teen driver covered when they drive my company car?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Learn about insurance coverages for a Honda Insight

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, falling objects and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

This pays for damage to your Insight caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a building, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses such as prosthetic devices, funeral costs, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

This provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, medical expenses, emergency aid, bail bonds and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

UM/UIM Coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Buy Smart and Save

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, being labeled a high risk driver, delays in paying claims or even policy non-renewal. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability limits or collision coverage only to find out they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Cost effective 2004 Honda Insight insurance can be bought on the web and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

Additional auto insurance information is available below: