View 2006 Honda Insight Insurance Quotes

Searching for better insurance prices for a Honda Insight could be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to buy insurance so we’re going to tell you the quickest way to get price quotes on a Honda and get the cheapest rates from both online companies and local agents.

Finding cheaper coverage can be fairly easy. If you are insured now or need new coverage, you can use this information to shop for the lowest rates while maximizing coverage. Consumers just need to learn how to compare price quotes over the internet.

Compare Insurance Coverage Today

Shopping for lower insurance coverage rates can be a daunting task if you aren’t aware of the most efficient way. You could spend the better part of a day driving to agents in your area, or you could use the web for quick rates.

Most car insurance companies take part in a program where prospective buyers enter their coverage request one time, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests for every insurance coverage company.

To compare 2006 Honda Insight rates now click here (opens in new window).

The one downside to pricing coverage this way is you are unable to specify which insurance companies you want pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage limits and deductibles with every price quote. If you use different limits and deductibles on each one it’s not possible to find the best deal for your Honda Insight.

Do you qualify for a discount?

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be specially asked for prior to receiving the credit. If you’re not getting every credit available, you are paying more than you should be.

• Discount for New Cars – Insuring a new car can save up to 30% since new cars are generally safer.
• Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
• Air Bag Discount – Vehicles with factory air bags can receive discounts of more than 20%.
• Accident Waiver – A few companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
• Memberships – Affiliation with a qualifying organization is a good way to get lower rates when shopping for insurance on Insight coverage.
• College Student – Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.

Keep in mind that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.

For a list of providers with the best insurance discounts, follow this link.

What coverages do I need?

When it comes to choosing coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether or not you will benefit from professional help.

• I don’t drive much so do I pay less?
• What is the minimum liability in my state?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is my babysitter covered when using my vehicle?
• What companies insure drivers after a DUI or DWI?
• Who is covered by my policy?
• Do I need PIP (personal injury protection) coverage in my state?
• When can my company non-renew my policy?
• Do I need replacement cost coverage on my 2006 Honda Insight?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

The coverage is in the details

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability – This provides protection from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, 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. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as legal defense fees, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision) – This pays to fix your vehicle from 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 coverage protects against claims such as hail damage, theft, damage from getting keyed and falling objects. The maximum payout your auto 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.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for X-ray expenses, dental work and EMT expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.