How to Save on Honda Insight Insurance in Houston

Insurance for Honda InsightTrying to find the cheapest Honda Insight insurance in Houston? Finding the cheapest insurance for a Honda Insight in Texas can normally be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to shop for auto insurance and we’ll show you the best way to price shop coverage for a Honda and get the lowest possible price from both online companies and Houston agents.

Companies offering competitive Honda Insight price quotes in Houston, TX

The following companies can provide price comparisons in Houston, TX. If multiple providers are shown, we recommend you get price quotes from several of them to get the best price comparison.

Honda Insight Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $180 $312 $500 $30 $150 $1,172 $98
Insight EX $286 $572 $388 $24 $116 $1,386 $116
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can lower or raise premiums significantly.

Annual premiums for males compared to females

The example below shows the difference between Honda Insight insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are factored in.

Cost comparison with and without full coverage

The diagram below examines Honda Insight auto insurance costs with full physical damage coverage and with liability coverage only. The rates are based on a clean driving record, no claims, $250 deductibles, married female driver, and no discounts are applied.

Guidelines for dropping full coverage

There isn’t a written rule to stop buying physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your Honda Insight claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your policy deductible. If premium cost is more than $500 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some conditions where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Choosing deductibles

The diagram below highlights how deductible choice and can influence Honda Insight annual premium costs for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Houston insurance discounts for a Honda Insight

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but once in a while a discount must be specifically requested before you get the savings.

You can save money using discounts, but most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you could get a free car insurance policy, it doesn’t quite work that way.

To choose providers with the best Honda Insight insurance discounts in Houston in Houston, click here.

Local Houston car insurance agents

Certain consumers still like to talk to an insurance agent. Good agents will help you protect your assets and give you someone to call. A good thing about comparing insurance prices online is that drivers can save money and get the best rates and still buy from a local agent. Buying from and supporting local insurance agents is still important in Houston.

Insurance agents in HoustonAfter filling out this simple form, the quote information is transmitted to participating agents in Houston that give free quotes for your insurance coverage. It’s much easier because you don’t need to even leave your home since rate quotes are delivered immediately to you. If for some reason you want to get a rate quote from a specific insurance provider, you can always jump over to their website to submit a rate quote request.

Below are Houston insurers that are able to give price quotes for Honda Insight insurance in Houston.

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Picking the best insurance company needs to be determined by more than just a cheap price. These are some questions you should get answers to.

Upon getting satisfactory answers to these questions as well as a price you’re happy with, most likely you have located an insurance company that can insure your vehicles. Just remember policyholders can terminate coverage for any reason so don’t feel that you are obligated to any specific agency with no way out.

Slick advertising tricks that work

Consumers in Texas can’t get away from ads that promise big savings from companies such as Allstate and Progressive. All the companies make the point about saving some big amount if you just switch your coverage.

How do they all cost less than your current company? You have to listen carefully.

All companies look for specific characteristics for the right customer that is profitable for them. For instance, this type of insured might have to be over the age of 45, owns a home, and has a short commute. Anybody that hits that “sweet spot” will most likely get cheap premium rates as well as save when switching.

Consumers who may not quite match this stringent profile may be required to pay higher rates which translates to the customer buying from someone else. The ad wording is “customers who switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can confidently claim big savings.

This emphasizes why you absolutely need to do a rate comparison at every renewal. You cannot predict with any certainty which company will have the lowest rate quotes.

Insurance coverage options for a Honda Insight

Having a good grasp of your insurance policy can help you determine 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.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liability limits.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses like surgery, dental work, ambulance fees and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverages – Collision coverage covers damage to your Insight resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle, backing into a parked car, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible on your Insight to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft, damage from flooding and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – Liability insurance protects you from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 30/60/25 which means a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, medical services, emergency aid, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but it’s recommended drivers buy more liability than the minimum.

The most affordable rates come from being thorough

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice full coverage only to find out that it was a big error on their part. The goal is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

We’ve covered many ways to get a better price on Honda Insight insurance in Houston. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may even discover the lowest car insurance rates are with a small mutual company.

People switch companies for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, denial of a claim and extreme rates for teen drivers. Regardless of your reason, finding a new company is not as difficult as it may seem.

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