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Honda Element Insurance Rates

You have lots of choices when buying insurance for your Honda vehicle. You can get prices from an agent or shop online to check prices from insurance providers. Finding cheaper car insurance by comparing rates online is easy and at the same time you can save money.

Consumers who are new to the process of comparison shopping may think buying cut-rate Element insurance is going to be difficult. There are several ways to compare quotes and find the best price. The recommended way to find competitive Element insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

FREE Car Insurance Comparison

What factors impact the rate you pay?

Car insurance premiums for your Honda Element will vary greatly based upon several criteria. Taken into consideration are:

  • The performance level of your Element
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • Your occupation
  • Insurance coverage level
  • Whether you rent or own your home

An additional factor which can affect Element insurance rates is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the payout to repair will push premiums down. Although newer models may have safety features included like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Element from available model years below.

Auto liability insurance - Liability insurance protects you from damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - This pays for damage to your Honda resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper Element insurance rates.

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Honda Element Insurance Rates?