Cheapest 2002 Honda Insight Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Want cheaper insurance coverage rates? Drivers have options when trying to find low-cost Honda Insight insurance. They can either spend hours calling around trying to get quotes or leverage the internet to make rate comparisons. There is a better way to shop for insurance coverage and you need to know the proper way to quote coverages for a new or used Honda and get the lowest price from local insurance agents and online providers.
It is always a good idea to compare prices on a regular basis due to the fact that insurance rates are usually higher with each renewal. If you had the lowest price on Insight coverage last year a different company probably has better rates today. Block out anything you think you know about insurance coverage because we’re going to demonstrate the fastest way to find better coverage at a better price.
Verify you’re getting all your discounts
Companies offering auto insurance don’t always publicize every discount in a way that’s easy to find, so we break down both the well known and the harder-to-find ways to save on insurance. If you aren’t receiving every discount possible, you are throwing money away.
- Military Rewards – Having a deployed family member could mean lower rates.
- Drive Less and Save – Fewer annual miles on your Honda can qualify you for lower rates on the low mileage vehicles.
- Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
- Student in College – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.
- Defensive Driving Course – Taking a defensive driving course could save 5% or more if your company offers it.
- Passive Restraints and Air Bags – Factory air bags can get savings of up to 25% or more.
- Clubs and Organizations – Belonging to a professional or civic organization may earn a discount when shopping for insurance on Insight coverage.
It’s important to note that many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, insurance companies aren’t that generous.
To see a list of insurers who offer insurance discounts, click this link.
Insurance Prices Online
All major insurance companies such as State Farm and Allstate provide coverage prices directly from their websites. Getting online rates doesn’t take much effort as you simply type in the coverage amounts you desire into a form. When complete, the company’s rating system requests credit information and your driving record and provides a quote based on these factors.
Quoting online makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s absolutely necessary to perform this step if you want to find the best price possible.
The easiest way to compare insurance pricing uses one simple form that gets prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much simpler. After sending your information, it gets priced with multiple companies and you can pick any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes less than 15 minutes and may save quite a bit of money.
In order to use this form to compare rates, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you input the insurance coverages as close as possible to your current policy. This guarantees you will receive an apples-to-apples comparison for similar coverage.
When should I talk to an agent?
When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.
For instance, these questions may help highlight if your insurance needs would benefit from professional advice.
- How do I buy GAP insurance?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Can I afford to pay high deductible claims out of pocket?
- How high should my uninsured/underinsured coverage be in my state?
- Can I afford low physical damage deductibles?
- Is my teenager covered with friends in the car?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I have coverage when making deliveries for my home business?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.
Specific coverage details
Learning about specific coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Auto liability insurance – This can cover damage or injury you incur to other people or property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like loss of income, emergency aid, bail bonds and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.
Collision coverages – Collision coverage will pay to fix damage to your Insight resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as doctor visits, funeral costs and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2002 Honda Insight.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like hitting a bird, hitting a deer and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Saving money is sweet as honey
We just showed you a lot of tips how to compare 2002 Honda Insight insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may even discover the lowest premiums are with the least-expected company.
When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.
Cost effective insurance is definitely available both online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
- Winter Driving (Insurance Information Insitute)
- Safety Features for Your New Car (State Farm)
- Drunk Driving Statistics (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
Frequently Asked Questions
Where can I find cheap auto insurance rates for my 2002 Honda Insight?
To find affordable insurance rates for your 2002 Honda Insight, you have a few options. One way is to spend time calling around and requesting quotes from different insurance companies. Another more efficient way is to use the internet to compare rates. By entering your zip code, you can access companies that offer cheap auto insurance rates.
Are there any discounts available for 2002 Honda Insight car insurance?
How can I compare insurance prices online for my 2002 Honda Insight?
Most major insurance companies, such as State Farm and Allstate, allow you to obtain insurance quotes directly from their websites. You can enter your desired coverage amounts into a form and provide information about your credit history and driving record. The company’s rating system will then generate a quote based on these factors. However, visiting multiple websites and entering the same information repeatedly can be time-consuming. To simplify the process, you can use a single form that gathers quotes from several companies simultaneously, making it easier to compare rates and potentially save money.
When should I consider speaking with an insurance agent for my 2002 Honda Insight?
While there is no “perfect” insurance plan, consulting with a licensed insurance agent can be beneficial in certain situations. If you are unsure about your insurance needs or have specific questions, an agent can provide professional advice and guidance tailored to your unique circumstances. If you want to explore local insurance options and receive personalized assistance, filling out a quick form can connect you with a licensed agent in your area.
What are the different types of coverage for a 2002 Honda Insight?
Understanding the specific coverages included in your auto insurance policy is crucial when choosing the right options for your 2002 Honda Insight. Here are some common coverage types:
- Liability insurance: Covers damage or injuries you cause to others.
- Collision coverage: Pays for repairs to your vehicle resulting from collisions with other vehicles or objects.
- Medical payments and Personal Injury Protection (PIP) coverage: Provide coverage for immediate medical expenses for you and your passengers.
- Uninsured/Underinsured Motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or lacks sufficient coverage.
- Comprehensive coverage: Pays for damage to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
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