Lower Your 2021 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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Comparison shopping for low cost insurance could be hard for beginners to comparison shopping online. Drivers have so many agents and companies to choose from that it can easily turn into hard work to find more affordable premium rates.

It’s a good idea to price shop coverage once or twice a year since insurance prices change regularly. Even if you think you had the lowest rates on Clarity coverage on your last policy a different company probably has better rate quotes today. Ignore everything you know about insurance because you’re going to get a crash course in how to use the internet to lower your annual insurance bill.

This information will introduce you to how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Nevertheless, car owners do need to understand how insurance companies price insurance differently and apply this information to your search.

These discounts can lower your insurance coverage rates

Insurance can be prohibitively expensive, but there are discounts available that can dramatically reduce your bill. Some trigger automatically at the time you complete a quote, but a few must be asked for before they will apply. If you’re not getting every credit possible, you are just wasting money.

  • Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on Clarity coverage as compared to drivers with claims.
  • Accident Waiver – This one isn’t a discount, but some companies like GEICO, Allstate and Liberty Mutual will forgive one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Defensive Driver Discount – Taking part in a course that instructs on driving safety is a good idea and can lower rates if you qualify.
  • Service Members Pay Less – Being deployed with a military unit could qualify you for better rates.
  • Telematics Discount – Policyholders that allow their insurance coverage company to spy on driving manner through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Sign Online – A handful of larger companies give back up to $50 simply for signing online.
  • Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for new model year vehicles.
  • Auto/Life Discount – Some companies give a discount if you purchase some life insurance too.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any amount of discount should help reduce your insurance coverage premiums.

A few of the larger companies and some of their more popular discounts are detailed below.

  • GEICO offers premium reductions for defensive driver, federal employee, multi-policy, seat belt use, membership and employees, driver training, and multi-vehicle.
  • USAA offers discounts including multi-policy, multi-vehicle, family discount, driver training, good student, annual mileage, and military installation.
  • Progressive offers discounts for online quote discount, homeowner, multi-policy, online signing, continuous coverage, multi-vehicle, and good student.
  • American Family includes discounts for early bird, accident-free, mySafetyValet, bundled insurance, defensive driver, multi-vehicle, and TimeAway discount.
  • Esurance may include discounts for safety device, Pac-12 alumni, online quote, good student, multi-car, defensive driver, and emergency road assistance.
  • Farmers Insurance policyholders can earn discounts including switch companies, good student, multi-car, pay in full, electronic funds transfer, and homeowner.
  • State Farm may offer discounts for defensive driving training, safe vehicle, anti-theft, accident-free, and passive restraint.

Check with every company which discounts you qualify for. All car insurance discounts may not apply to policyholders in your state.

Different people need different insurance coverage coverages

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • Is upholstery damage covered by car insurance?
  • What is an SR-22 filing?
  • Where can I get insurance after a DUI in my state?
  • How do I insure my teen driver?
  • Can I afford to buy a different vehicle if my 2021 Honda Clarity is totaled?
  • Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete your zip code.

Are auto insurance companies telling the truth?

Progressive, Allstate and GEICO regularly use television, radio, and online ads. All the companies tend to make the same promise that drivers can save some big amount if you move to their company. How can each company give you a lower rate? Here is how they do it.

Auto insurance companies provide the lowest rates for the type of driver that will add to their bottom line. For example, a driver they prefer might be described as a mature driver, has no claims, and drives less than 10,000 miles a year. Any person that matches those criteria will probably get the lowest premium rates and will also pay quite a bit less when switching companies.

Potential insureds who are not a match for these stringent criteria will be quoted a higher rate which translates to the driver buying from a lower-cost company. The ad wording is “drivers that switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently make it sound like they have such great rates.

Different companies use different criteria so you really need to compare free auto insurance quotes often. It is just not possible to predict which company will have the best prices for your profile.

Insurance specifics

Having a good grasp of a insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane, theft, hitting a bird and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for things like hospital visits, EMT expenses, prosthetic devices and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Honda Clarity.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Auto liability

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Quote more, save more

When you buy auto insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

The cheapest 2021 Honda Clarity insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some companies don’t offer rate quotes online and usually these smaller providers only sell coverage through independent agencies.

In this article, we presented some good ideas how to save on 2021 Honda Clarity insurance. The key concept to understand is the more you quote auto insurance, the better chance you’ll have of finding cheaper auto insurance. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising.

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