How Much Does 2014 Honda Insight Insurance Cost?

Want lower insurance coverage rates for your Honda Insight? Feel like you’re a prisoner to overpriced insurance coverage? Trust us when we tell you you’re not the only one.

Insurance companies such as State Farm, Geico and Farmers Insurance persitently shower you with fancy advertisements and it can be hard to see through the deception and effectively compare rates to find the best deal.

Auto Insurance Prices Online

All major auto insurance companies give prices on the web. Obtaining pricing is fairly straightforward as you just type in the coverage amounts you desire as detailed in the form. After the form is submitted, their system will order your credit score and driving record and generates a price determined by many factors. Online price quotes simplifies rate comparisons, but the time required to go to several different sites and type in the same information can be a bit repetitive. But it is imperative to perform this step in order to find lower prices.

A less time-consuming method to lower your auto insurance bill uses one simple form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you are able to buy any of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process just takes a couple of minutes and can result in significant savings.

To compare rates using this form now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate your coverages exactly as shown on your declarations page. This helps ensure you will receive an apples-to-apples comparison using the exact same coverages.

Do you qualify for discounts?

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some may not be applied and must be specially asked for before they will apply.

No Claims – Drivers who don’t have accidents can earn big discounts as compared to bad drivers.
Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
Federal Employees – Simply working for the federal government can save as much as 8% for Insight coverage with certain companies.
Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
Organization Discounts – Being a member of certain professional organizations may earn a discount when shopping for insurance coverage for Insight coverage.
Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
Multiple Policy Discount – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you’re out of luck. But any discount will help reduce the amount you have to pay.

Companies that may have these money-saving discounts are:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts may not apply in your area.

Don’t assume everyone needs the same coverage

When it comes to choosing the best insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining whether your personal situation could use an agent’s help.

Should I sign the liability waiver when renting a car?
Is rental equipment covered for theft or damage?
Will filing a claim cost me more?
How high should my uninsured/underinsured coverage be in my state?
Why am I required to buy high-risk coverage?
I don’t drive much so do I pay less?
Is business property covered if stolen from my car?
Can I afford to buy a different vehicle if my 2014 Honda Insight is totaled?
When do I need to add a new car to my policy?
Am I covered if I break a side mirror?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Honda Insight.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Liability car insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for 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. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical services, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, fire damage, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses like rehabilitation expenses, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Insight resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.