2018 Honda Insight Insurance Rates in 2024

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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 3, 2024

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Locating low-cost insurance for your Honda Insight can be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy. There are more efficient ways to find insurance coverage online so you’re going to learn the quickest way to compare rates for your Honda and find the lowest possible price from both online companies and local agents.

Consumers need to quote other rates quite often because insurance coverage prices are constantly changing. Even if you got the lowest quotes on Insight coverage a year ago you can probably find a better rate now. There is a lot of bad advice regarding insurance coverage online, but in this article, you’re going to get some great ideas on how to find cheap insurance coverage.

If you have a policy now or need a new policy, you can learn to reduce the price you pay and still get good coverage. Buying more affordable coverage is not that difficult. Drivers only need to know the proper methods to buy auto insurance online.

The quickest way to compare insurance rates from multiple companies utilizes the fact most larger insurance companies allow for online access to give you rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information including your occupation, whether your vehicle is owned or leased, the type of vehicles you drive, and if you have an active license. Those rating factors is instantly sent to multiple insurance providers and they return rate quotes with very little delay.

Informed consumers can slash their insurance prices

Lots of things are taken into consideration when premium rates are determined. Some are obvious such as traffic violations, but others are more obscure like your vehicle usage or how financially stable you are. The best way to find cheaper auto insurance is to take a look at some of the things that play a part in calculating your premiums. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in much lower annual insurance costs.

  • High credit scores save money – Credit score is a big factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible and file fewer claims as compared to drivers with worse credit. If your credit score is low, you could save money insuring your 2018 Honda Insight by spending a little time repairing your credit.
  • Policy add-ons can waste money – There are many extra bells and whistles that can waste your money if you don’t pay attention. Coverages for roadside assistance, high-cost glass coverage, and membership fees are examples of these. They may sound like good ideas when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.
  • Multi-policy discounts can save money – Most major insurers will give lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to get quotes from other companies to help ensure you have the lowest rates.
  • How much liability coverage do you need? – A critical coverage on your policy, liability insurance is the protection when a court rules you are at fault for an accident. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Big city or small town – Having an address in small towns and rural areas is a good thing when shopping for auto insurance. Less people living in that area translates into fewer accident claims. People in densly populated areas have traffic congestion and longer commute times. Spending more time driving can result in more accidents.

Do you qualify for discount insurance coverage?

Insurance coverage is expensive, but you might already qualify for some discounts that many people don’t even know exist. Many of these discounts will be applied automatically at quote time, but some must be asked for prior to receiving the credit. If you do not check that you are getting every discount available, you may be paying too high a price.

  • Claim-Free Discount – Good drivers with no accidents get the best insurance coverage rates compared to policyholders that have many claims.
  • Sign Online – A handful of companies will give a small break just for signing your application digitally online.
  • Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
  • Safety Course Discount – Taking time to complete a class that teaches safe driver techniques could cut 5% off your bill depending on where you live.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course as it can save substantially.
  • Accident Forgiveness Coverage – but some companies like Allstate and Progressive will let one accident slide before raising your premiums so long as you are claim-free for a set time period.
  • Homeowners Savings – Being a homeowner can save a few bucks because owning a home requires personal responsibility.

A quick disclaimer, most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

To see a list of companies that offer many of these discounts, enter your zip code here.

What insurance coverages do I need?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

These are some specific questions may help you determine whether you might need professional guidance.

  • What are the best liability limits?
  • What can I do if my company denied a claim?
  • Does insurance cover damages from a DUI accident?
  • How can I get my company to pay me more for my totalled car?
  • How much liability coverage do I need in my state?
  • Is my 2018 Honda Insight covered for flood damage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

Collision coverage covers damage to your Insight from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Liability insurance

Liability insurance can cover damage that occurs to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims such as structural damage, pain and suffering, medical expenses and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like rehabilitation expenses, chiropractic care, pain medications, funeral costs and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Insight.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, damage from getting keyed, hitting a deer, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

A penny saved is a penny earned

Lower-priced car insurance is possible online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies may not offer internet price quotes and usually these regional carriers sell through independent agencies.

We’ve covered a lot of techniques to compare 2018 Honda Insight insurance premium rates online. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest insurance. You may even find the lowest premium rates come from an unexpected company.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the best possible price and still be able to protect your assets.

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