Cheaper 2020 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 lower insurance rates for your Honda Clarity? Wish you could get out of an expensive insurance policy? Trust us, you’re not alone.

Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive best rates possible.

How to buy car insurance online

Most companies make it easy to get insurance quotes direct online. Doing online quotes is pretty painless because it’s just a matter of typing in the amount of coverage you want into a form. When the form is submitted, the quote system gets reports for credit and driving violations and returns a price quote based on these factors. Online quotes makes it simple to compare prices but the time required to go to several different sites and type in the same information is monotonous and tiresome. But it’s very important to compare as many rates as possible in order to find the lowest car insurance rates.

A less time-consuming method to lower your rates utilizes a single form to obtain quotes from many companies. This type of form saves time, eliminates form submissions, and makes quoting online much more enjoyable. Immediately after you send the form, it is quoted and you are able to buy any one of the quote results. If a lower price is quoted, you can simply submit the application and buy the policy. It takes 15 minutes at the most and may save quite a bit of money.

In order to compare rates now, simply enter your zip code here and submit your coverage information. If you have a policy now, it’s recommended you replicate the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will get a fair comparison using the same coverage and limits.

More affordable rates with these discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can help lower your rates. A few discounts will automatically apply when you quote, but occasionally some discounts must be inquired about before they will apply.

  • Multi-car Discount – Buying a policy with primary and secondary vehicles with the same company can get a discount on all vehicles.
  • ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Active Service Discounts – Being on active deployment in the military could mean lower auto insurance rates.
  • Own a Home and Save – Just owning your own home can get you a discount because it is proof of financial responsibility.
  • Discount for Switching Early – A few larger companies allow discounts for buying a policy before your current expiration date. It’s a savings of about 10%.

As a sidenote, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way. But any discount should definitely cut the premium cost.

Popular auto insurance companies and a partial list of their discounts are outlined below.

  • Progressive discounts include good student, online signing, homeowner, multi-policy, and continuous coverage.
  • SAFECO may offer discounts for homeowner, drive less, teen safe driver, multi-car, and bundle discounts.
  • American Family offers discounts for mySafetyValet, Steer into Savings, bundled insurance, TimeAway discount, good driver, and early bird.
  • MetLife offers premium reductions for defensive driver, good driver, multi-policy, good student, claim-free, and accident-free.
  • GEICO has savings for anti-lock brakes, federal employee, multi-vehicle, seat belt use, anti-theft, driver training, and air bags.
  • The Hartford includes discounts for bundle, anti-theft, good student, defensive driver, and vehicle fuel type.

When quoting, ask every company to apply every possible discount. Some discounts might not be offered in your area. For a list of providers who offer auto insurance discounts, enter your zip code here.

Auto insurance can be complex

When choosing the best auto insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover if you may require specific advice.

  • What is roadside assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Where can I get insurance after a DUI in my state?
  • Why do I only qualify for high-risk insurance?
  • Is my Honda Clarity covered if I use it for business?
  • Does my policy cover my teen driver if they drive my company car?
  • When should I not file a claim?
  • Is my ex-spouse still covered by my policy?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from a tornado or hurricane and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision 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 can pay for things like driving through your garage door, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Auto liability insurance

This will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, pain and suffering, court costs, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for things like pain medications, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

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