2011 Honda Element Insurance Quotes in 2024 – 5 Tricks for Cheapest Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2024

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Wish you could get a refund on high-priced auto insurance? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Because there are so many choices, it’s nearly impossible to choose the best auto insurance company.

Choosing the best insurance company for you is not that difficult. Basically, every vehicle owner who is required by state law to have insurance will be able to lower their premiums. Although consumers should learn how the larger insurance companies sell online and use this information to your advantage.

Don’t overlook these five insurance discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that many consumers don’t even know exist. Most are applied when you complete an application, but a few must be requested specifically before you get the savings.

  • Own a Home – Owning a house can get you a discount because owning a home requires personal responsibility.
  • Sign Early and Save – Select insurance companies give a discount for switching companies prior to your current policy expiring. This can save 10% or more.
  • Defensive Driving Course – Passing a defensive driver class could cut 5% off your bill and also improve your driving technique.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Responsible Drivers – Accident-free drivers can pay as much as 50% less for Element coverage as compared to drivers with claims.

We need to note that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So even though you would think you could get a free insurance policy, it’s just not the way it works.

Popular insurance companies and some of the discounts can be found below.

  • GEICO may offer discounts for multi-policy, air bags, multi-vehicle, defensive driver, seat belt use, anti-theft, and military active duty.
  • Mercury Insurance includes discounts for location of vehicle, ease of repair, low natural disaster claims, multi-policy, annual mileage, and accident-free.
  • Farmers Insurance offers discounts including multi-car, pay in full, early shopping, teen driver, bundle discounts, mature driver, and youthful driver.
  • Auto-Owners Insurance may include discounts for multi-policy, multiple vehicles, student away at school, anti-lock brakes, safe vehicle, and good student.
  • Liberty Mutual may have discounts that include safety features, multi-policy, newly married, teen driver discount, and good student.
  • SAFECO discounts include drive less, accident prevention training, anti-theft, teen safety rewards, and safe driver.
  • Progressive offers premium reductions for multi-vehicle, online quote discount, continuous coverage, online signing, good student, multi-policy, and homeowner.
  • USAA has savings for safe driver, driver training, vehicle storage, defensive driver, and multi-vehicle.

Double check with each insurance company how many discounts you can get. All car insurance discounts may not be offered in your state. To find insurance companies that offer the discounts shown above, enter your zip code here.

When to get professional advice

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Is my trailer covered?
  • Is business equipment covered while in my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I have a DUI can I still get coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need special endorsements for business use of my vehicle?
  • Does coverage extend to Mexico or Canada?
  • When would I need rental car insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out your zip code.

Auto insurance coverage basics

Having a good grasp of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hitting a deer, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, pain medications, ambulance fees and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Auto collision coverage

Collision insurance covers damage to your Element from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Liability car insurance

Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, repair costs for stationary objects, funeral expenses, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

A little work can save a LOT of money

As you quote insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

In this article, we covered a lot of tips how to save on 2011 Honda Element insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest rates are with a lesser-known regional company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

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