Cheaper 2017 Honda Clarity Insurance Rates

Trying to find low-cost insurance for a new or used Honda Clarity can be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to find insurance online and you need to know the quickest way to compare rates on a Honda and locate the lowest possible price either online or from local insurance agents.

First Step: Get free auto insurance quotes

Cutting your auto insurance rates is pretty simple and can save money. All you need to do is take the time comparing rate quotes from some recommended companies. This can easily be done using one of these methods.

The fastest way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This quick form saves time by eliminating boring form submissions for every auto insurance company. One simple form gets rate comparisons from several companies. It’s the fastest way to compare.

A different way to find lower rates requires a visit to each company’s website and repeat the quote process again and again. For example, let’s say you want to get rates from Farmers, Safeco and State Farm. In order to compare rates, you need to spend time on each company’s site and repeatedly enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The old school method to get price estimates is to waste gas driving to local insurance agencies. Quoting online can eliminate the need for a local agent unless you require the peace of mind that you can only get from talking to an agent. You can, however, get the lowest quotes online but buy from a local insurance agent.

It doesn’t matter which method you choose, just try to use apples-to-apples quote information on every quote. If you compare mixed coverages it will be nearly impossible to make an equal comparison.

Get lower-cost insurance quotes with discounts

The price of auto insurance can be rather high, but you may find discounts that can help lower your rates. Certain credits will be shown when you quote, but some need to be asked for prior to getting the savings.

  • Safety Course Discount – Participating in a class that teaches driver safety techniques could save 5% or more and easily pay for the cost of the class.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • Responsible Drivers – Accident-free drivers can save up to 40% or more on their insurance coverage quote for Clarity coverage than drivers with accidents.
  • Accident Forgiveness Coverage – Not really a discount, but some companies like State Farm and Allstate will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free before the accident.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower premium rates due to less chance of an accident.
  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for Clarity coverage with some insurance companies.
  • Include Life Insurance and Save – Select insurance companies reward you with a break if you buy life insurance from them.
  • Claim-Free Discount – Claim-free drivers can earn big discounts as opposed to accident-prone drivers.

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, nobody gets a free ride.

Some of the larger companies that have these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts can lower your rates. All car insurance discounts may not be available in your area. For a list of companies with significant discounts, click here.

Honda Clarity insurance rates can be more affordable

Many factors are used when quoting car insurance. Most are fairly basic such as your driving record, although some other factors are more obscure such as your credit history or your commute time.

The factors shown below are some of the most rate-impacting factors used by companies to determine your rate level.

  • Consolidate policies to earn discounts – Some insurers afford better rates to insureds that have more than one policy in the form of a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you already get this discount, you may still want to compare rates to guarantee you are still saving the most.
  • Are females or males drivers cheaper? – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Both genders get in accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DWI (DUI) or reckless driving.
  • Having a spouse equates to better rates – Having a wife or husband can actually save you money on your insurance bill. It usually means you are more mature and it’s proven that being married results in fewer claims.
  • Do you need those extra coverages? – There are a ton of additional coverages that sound like a good idea at the time on your 2017 Clarity policy. Coverages for replacement cost coverage, towing coverage, and Farm Bureau memberships are some examples. They may sound like good ideas when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • More miles equals more premium – The higher the miles on your Honda each year the higher your rate. Most companies calculate prices based on how the vehicle is used. Cars and trucks that have low annual miles receive lower rates than cars that get driven a lot. Improper usage on your Clarity is just wasting money. It’s a good idea to make sure your vehicle rating states the right rating data.
  • Where you live can modify costs – Residing in areas with lower population can be a good thing if you are looking for the lowest rates. Fewer drivers on the road means fewer accidents as well as less vandalism and auto theft. People in densly populated areas regularly have much more traffic and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Safer cars lower prices – Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and lower rates for you.
  • Do thieves like your car? – Purchasing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • How do I insure my teen driver?
  • Will my insurance pay for OEM parts?
  • Are my friends covered when driving my car?
  • How can I get my company to pay me more for my totalled car?
  • What if I total my 2017 Honda Clarity and owe more than it’s worth?
  • Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Information about specific coverages

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, rock chips in glass, damage from a tornado or hurricane and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as court costs, attorney fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for chiropractic care, rehabilitation expenses, surgery and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your Clarity caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Cheaper insurance is a realistic goal

Cheaper insurance is definitely available from both online companies as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not offer online price quotes and most of the time these small insurance companies only sell coverage through independent agents.

In this article, we presented many tips how you can get a better price on 2017 Honda Clarity insurance. The key concept to understand is the more times you quote, the higher your chance of finding inexpensive insurance coverage. Drivers may discover the lowest priced insurance comes from some of the smallest insurance companies.

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, being labeled a high risk driver or delays in paying claims. It doesn’t matter why you want to switch finding the right insurance provider can be pretty painless.

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