View 2019 Honda Clarity 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: May 16, 2024

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Want cheaper car insurance rates? Drivers have options when trying to find low-cost Honda Clarity insurance. You can either waste hours struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There is a better way to compare car insurance rates and you need to know the best way to quote coverages for your Honda and get the cheapest rates from local insurance agents and online providers.

You should take the time to check car insurance prices before your policy renews since prices are usually higher with each renewal. Even if you got the best deal for Clarity coverage a couple years back you can probably find a lower rate today. You can find a lot of information about car insurance online, but in a few minutes you can learn some of the best techniques to save money.

Low cost car insurance prices

Most of the larger companies such as Progressive, Allstate and GEICO allow you to get pricing on the web. Comparing prices online is pretty painless as all you need to do is type in the amount of coverage you want into the form. When the form is submitted, the quote system obtains information on your driving record and credit history and provides a quote based on the information you submitted.

This makes it simple to compare prices but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you are searching for the best price on car insurance.

An easier way to compare rates uses just one form to get prices from more than one company. The form is fast, reduces the work, and makes price shopping online much simpler. After sending the form, it is rated and you can choose your choice of the quote results.

If the quotes result in lower rates, you can click and sign and buy the policy. It only takes a few minutes and may save quite a bit of money.

If you want to find out if lower rates are available, simply enter your zip code here and begin entering your coverage information. If you have coverage now, it’s recommended that you enter coverages and limits exactly as they are listed on your policy. This makes sure you are getting a fair comparison for similar insurance coverage.

Get lower-cost rates with these insurance discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not even know about. A few discounts will automatically apply when you purchase, but some must be asked about before you get the savings.

  • Active Military Service – Being on active deployment in the military could be rewarded with lower insurance rates.
  • Accident-Free Discounts – Claim-free drivers pay less in comparison with insureds who have frequent claims or accidents.
  • Early Renewal Discounts – A few insurance companies allow discounts for renewing your policy before your current coverage expires. You could save around 10% when you buy insurance online.
  • Government Employee Discount – Active or former government employment could provide a small rate reduction for Clarity coverage with a few insurance companies.
  • Professional Organizations – Being in specific professional or occupational memberships or organizations could qualify you for a break when shopping for insurance.

One last thing about discounts, some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

For a list of insurance companies with significant discounts, enter your zip code here.

Get cheap insurance costs by understanding these factors

Smart consumers have a good feel for some of the factors that help determine your auto insurance rates. If you have some idea of what influences your rates, this empowers consumers to make smart changes that will entitle you to lower auto insurance prices. Lots of things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but other factors are more transparent like your continuous coverage or how safe your car is.

  • Can a thief steal your car? – Driving a car with a theft deterrent system can help bring down rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your vehicle from being stolen.
  • Premiums are affected by your credit history – An insured’s credit rating factor in determining what you pay. Insureds that have good credit tend to be more responsible and file fewer claims as compared to drivers with poor credit. If your credit rating is low, you may save money insuring your 2019 Honda Clarity if you clean up your credit.
  • Cars with good safety ratings means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. Vehicles built for safety reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company which can mean better rates for you.
  • Too many claims drive up auto insurance rates – If you are a frequent claim filer, you can expect higher rates. Insurance companies award better rates to insureds that do not abuse their auto insurance. Your car insurance is intended for the large, substantial claims.
  • Are women or men drivers cheaper? – Over time, data shows females are less aggressive when driving. However, this does not mean men are WORSE drivers than women. They both have accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to receive more major tickets such as DWI and reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.
  • Costs and your address – Residing in small towns and rural areas is a positive aspect when talking about auto insurance. Less people means reduced accidents in addition to lower liability claims City drivers have to deal with traffic congestion and higher rates of accident claims. The longer drive time means higher likelihood of an accident.
  • Single drivers may get higher prices – Getting married may earn you lower rates on your auto insurance policy. Having a significant other generally demonstrates drivers are less irresponsible and insurance companies like that married drivers get in fewer accidents.
  • Defend yourself with liability insurance – Liability coverage is the coverage that protects you if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.

Insurance coverage can get complicated

When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you would benefit from an agent’s advice.

  • Exactly who is provided coverage by my policy?
  • Is a blown tire covered by insurance?
  • Should I get collision insurance on every vehicle?
  • Is my nanny covered when driving my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my policy cover my teen driver if they drive my company car?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages explained

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

Liability insurance protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, legal defense fees, structural damage, emergency aid and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision insurance will pay to fix damage to your Clarity from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for EMT expenses, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Pennies from heaven

Insureds switch companies for any number of reasons including unfair underwriting practices, high prices, extreme rates for teen drivers or even policy cancellation. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper insurance can be purchased on the web as well as from independent agents, so get free insurance quotes from both of them to have the best selection. There are still a few companies who do not provide price quotes online and most of the time these regional carriers sell through independent insurance agencies.

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