2004 Honda Insight Insurance Rates
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UPDATED: Sep 16, 2017
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Average insurance rates for a 2004 Honda Insight are $938 a year for full coverage. Comprehensive insurance costs an estimated $132 each year, collision costs $188, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,024 or more. Teen drivers receive the highest rates at $3,860 a year or more.
Annual premium for full coverage: $938
Rate estimates for 2004 Honda Insight Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2004 Honda Insight models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $510 for a discount liability-only rate to a high rate of $2,024 for a high risk driver.
These differences show why all drivers should compare rates for a targeted area and risk profile, instead of using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2004 Honda Insight Insurance
Finding lower rates for car insurance can be difficult for consumers not familiar with shopping for insurance online. You have so many options available that it can be a ton of work to find lower rates.
This information will let you in on how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. But drivers need to have an understanding of how companies sell insurance online and use this information to your advantage.
Compare Insurance Coverage Costs
All the larger insurance coverage companies provide prices for coverage online. This process is pretty painless as you simply enter your coverage information into a form. Upon sending the form, the system will order your credit score and driving record and quotes a price based on many factors.
This helps simplify price comparisons, but having to visit several different sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to perform this step if you are searching for the best price on insurance coverage.
The easiest way to lower your rates requires only one form that obtains quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes quoting online much easier. After your information is entered, it gets priced with multiple companies and you can pick any of the resulting price quotes.
If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.
To quickly get comparison pricing now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you input the coverages exactly as they are listed on your policy. This way, you will be getting rate quotes for similar coverage.
Take these eight discounts and save
Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specially asked for in order for you to get them.
- Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
- Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
- Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Insight insurance with certain companies.
- Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
- Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
- Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates on your policy for Insight insurance.
- Early Switch Discount – Select companies give a discount for switching to them before your current expiration date. It’s a savings of about 10%.
- Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Insight insurance than drivers with accidents.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.
Companies that may have some of the above discounts include:
Check with every prospective company how you can save money. Discounts may not be available in your state.
Which policy gives me the best coverage?
When buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that could help you determine whether or not you may require specific advice.
- Does insurance cover tools stolen from my truck?
- Is extra glass coverage worth it?
- Will my insurance pay for OEM parts?
- Am I covered by my spouse’s policy after a separation?
- Am I getting all the discounts available?
- Do I have coverage when using my vehicle for my home business?
- Is business property covered if stolen from my car?
- When should I remove comp and collision on my 2004 Honda Insight?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.
Coverages available on your insurance policy
Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Coverage for liability
Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like medical expenses, funeral expenses, structural damage and court costs. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like scraping a guard rail, crashing into a building, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as rock chips in glass, damage from a tornado or hurricane, hitting a deer, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, dental work, funeral costs, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Rates by U.S. City
|New York City, NY||$1,485|
|Los Angeles, CA||$1,605|
Need a specific model?
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$56|
|5-yr Claim Free||$58|
|Paid in Full/EFT||$33|
Discounts are estimated and may not be available from every company or in every state.