Compare 2019 Honda Insight Car Insurance Cost 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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Looking for lower insurance coverage rates for your Honda Insight? Did a good deal turn out to be an expensive insurance coverage policy? Believe me, there are many people just like you. Having so many choices of insurance companies, it’s nearly impossible to choose the best insurance company.

Smart consumers take time to get comparison quotes before your next renewal because insurance coverage rates are constantly changing. If you had the lowest premium rates on Insight coverage six months ago a different company probably has better prices today. You’ll find a ton of advice on insurance coverage on the internet, but in this article, you’re going to get some excellent ideas to put money back in your pocket.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Vehicle owners just need to learn the tricks to compare prices on the web.

Cheapest car insurance price quotes

Many insurance companies make it easy to get insurance quotes directly from their websites. Comparing rates online is possible for anyone as you simply type in your coverage preferences into a form. Once entered, the system orders information on your driving record and credit history and quotes a price. Online quotes makes it simple to compare prices but having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to do this if you want to get lower prices.

A quicker way to compare rates utilizes a single form that obtains quotes from multiple companies. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much easier. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the pricing results. If you find a better price you simply finish the application and purchase coverage. It takes less than 15 minutes and can result in significant savings.

If you want to compare rates now, simply enter your zip code here and enter your vehicle and coverage information. If you currently have coverage, we recommend you replicate the insurance coverages identical to your current policy. This helps ensure you will be getting rate quotes based on the exact same insurance coverage.

Find hidden discounts to get affordable insurance rates

Some insurers do not advertise all discounts very clearly, so we break down both the well known as well as some of the hidden discounts that you can inquire about if you buy insurance online. If they aren’t giving you every credit available, you are throwing money away.

  • Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you could get a discount of 10% to 20% off each policy.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
  • Online Discount – A few larger online companies provide a small discount simply for signing online.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with discounted premium rates on garaged vehicles.
  • Senior Citizen Discount – Drivers that qualify as senior citizens can get better insurance rates on Insight coverage.
  • Multi-line Discount – Larger insurance carriers have a discount if you purchase some life insurance too.
  • Multiple Cars – Buying insurance for multiple cars or trucks with one company can get a discount for every vehicle.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control prevent accidents and will save you 10% or more.
  • Driving Data Discount – Insureds that choose to allow their insurance company to track driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.

We need to note that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

A list of companies and some of their more popular discounts can be read below.

  • State Farm may include discounts for driver’s education, good student, student away at school, accident-free, and safe vehicle.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, new move discount, safety features, exclusive group savings, newly retired, and preferred payment discount.
  • American Family may offer discounts for good student, accident-free, good driver, Steer into Savings, bundled insurance, and mySafetyValet.
  • Progressive includes discounts for multi-policy, multi-vehicle, homeowner, online quote discount, good student, online signing, and continuous coverage.
  • Farmers Insurance has discounts for early shopping, electronic funds transfer, bundle discounts, pay in full, business and professional, teen driver, and alternative fuel.
  • Auto-Owners Insurance discounts include safe vehicle, company car, good student, multi-policy, teen driver, and paperless.
  • SAFECO has savings for teen safety rewards, drive less, accident prevention training, multi-car, bundle discounts, homeowner, and safe driver.

Before purchasing a policy, check with each company or agent the best way to save money. Some discounts listed above may not be available in every state.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I get a multi-policy discount?
  • Why is insurance for a teen driver so high?
  • Do I benefit by insuring my home with the same company?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage for damage caused while driving under the influence?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and can help protect your family.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most auto insurance policies.

Coverage for collisions

Collision insurance pays for damage to your Insight from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, driving through your garage door, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from a tornado or hurricane, hitting a deer and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Honda Insight.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for things like EMT expenses, doctor visits, X-ray expenses, nursing services and pain medications. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability coverage

This provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, medical services, legal defense fees, loss of income and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Summing up your insurance search

As you quote insurance, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone dropped full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at a price you can afford.

We just presented a lot of tips how to lower your 2019 Honda Insight insurance prices. It’s most important to understand that the more you quote insurance, the better your chances of lowering your rates. You may be surprised to find that the lowest priced insurance comes from the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

Cheaper insurance can be sourced online and with local insurance agents, so you need to shop insurance with both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and many times these smaller providers work with local independent agents.

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