Cheap Honda Insight Insurance in San Antonio

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Insurance quote for Honda Insight in San AntonioDo you want to save money by buying low-cost Honda Insight insurance in San Antonio? Do you think you bought overpriced Honda Insight insurance in San Antonio? Don't sweat it because you're not alone.

It's an obvious statement that car insurance companies don't want customers comparing rates. Insureds who perform rate comparisons are highly likely to buy a new policy because they have a good chance of finding lower rate quotes. A recent survey revealed that drivers who faithfully checked for cheaper rates saved $3,500 over four years as compared to drivers who didn't regularly shop around.

If finding discount rates on insurance in San Antonio is your objective, then having an understanding of how to quote prices and compare cheaper coverage can make the process less intimidating. Insurance companies such as State Farm, Progressive and GEICO promote their brand names with ads and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

You Can Change Your Insurance Rates

When buying insurance it's important to understand the rating factors that come into play when calculating insurance rates. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in big savings.

Low stress vocation equals lower premiums - Did you know your occupation can influence how much you pay for insurance? Occupations like fire fighters, business owners, and medical professionals have the highest average rates due to job stress and long work hours. On the flip side, professions such as professors, historians and the unemployed pay the least.

Lower rates for vehicles with better crash test results - Cars with high safety ratings can get you lower premiums. Safe vehicles reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies and thus lower rates. If your Honda Insight earned at least four stars on Safercar.gov it is probably cheaper to insure.

Too many insurance claims and you'll pay more - Car insurance companies in Texas provide the best rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.

How credit rating affects insurance premiums - Credit history factor in your rate calculation. If your credit history could use some work, you could save money insuring your Honda Insight by spending a little time repairing your credit. Insureds with excellent credit scores tend to file fewer claims and have better driving records than drivers with worse credit.

Policy add-ons add up - There are a ton of extra bells and whistles you can purchase if you don't pay attention. Coverage for things like rental car coverage, better glass coverage, and motor club memberships may be wasting your money. You may think they are a good idea when you first buy your policy, but if you don't need them remove them from your policy.

Companies want multiple policies - Lots of insurers afford a discount to buyers that buy multiple policies such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it's in your best interest to shop around to verify if the discount is saving money.

Fast cars cost more to insure - The type of car, truck or SUV you are trying to find cheaper insurance for makes a big difference in your auto insurance rates. The lowest base rates are usually found on economy passenger models, but the cost you end up paying is determined by many additional factors.

The next chart assumes a single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Honda Insight insurance rates compared to other vehicles that have different risk factors.

Premiums can change based on your address - Having an address in a small town can save you money when it comes to insurance. Lower population translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large Texas cities have more aggressive driving styles and longer commutes to work. Spending more time driving means more chance of being in an accident.

The majority of larger companies such as State Farm, Allstate and GEICO allow consumers to get prices on their websites. The process is possible for anyone as you just enter the coverages you want on the page. When the form is submitted, the system makes automated requests for credit information and your driving record and gives you a price quote determined by many factors. Quoting online for Honda Insight insurance in San Antonio streamlines rate comparisons, and it is imperative to get many rate quotes if you are searching for a better rate.

To quickly get comparison pricing now, check out the insurance providers below. If you have your current policy handy, we recommend you type in deductibles and limits as close as possible to your current policy. Doing this guarantees you will receive rate comparison quotes based on identical coverages.

The companies shown below are ready to provide price comparisons in Texas. If more than one company is shown, we suggest you compare several of them in order to get a fair rate comparison.

Insurance statistics and figures

The information shown below outlines detailed analysis of policy rates for Honda Insight models. Being able to understand how policy premiums are figured is important for drivers to make smart choices when buying a car insurance policy.

Honda Insight Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $220 $486 $430 $26 $128 $1,290 $108
Insight EX $254 $572 $430 $26 $128 $1,410 $118
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in specific garaging location which can affect coverage rates greatly.

Choosing deductibles

When buying insurance, a common question is which deductibles should you choose. The tables below can help show the differences in price when you choose different insurance deductibles. The first pricing table uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.

Honda Insight insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $256 $496 $382 $22 $114 $1,295 $108
Insight EX $294 $584 $382 $22 $114 $1,421 $118
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Honda Insight insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $158 $312 $382 $22 $114 $988 $82
Insight EX $182 $368 $382 $22 $114 $1,068 $89
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in your specific San Antonio location which can alter price quotes noticeably.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $27 more each month or $324 a year than quoting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 28 months between claim filings, you would save more money going with the higher deductible. Here is a better example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $113
Average monthly premium for $1,000 deductibles (subtract): - $86
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One thing to be aware of is that higher deductibles results in having to pay to pay more out-of-pocket when you have a physical damage claim. That will require enough money in the bank in the event you need to pay the deductible.

Impact of violations and accidents on rates in San Antonio

The illustration below demonstrates how speeding tickets and accidents can influence Honda Insight annual premium costs for different categories of driver ages. Data assumes a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Insurance premiums based on gender

The illustration below illustrates the comparison of Honda Insight car insurance rates for male and female drivers. The premiums assume no claims or violations, full coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Do you need full coverage?

The chart below illustrates the difference between Honda Insight auto insurance rates with full coverage compared to only the Texas minimum liability coverage. The rate quotes are based on no claims or driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no written rule of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's say your Honda Insight replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after the deductible is paid. If you are paying over $800 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not advised. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Choosing Insight insurance is an important decision

Despite the high insurance cost for a Honda Insight in San Antonio, buying insurance is most likely required but also gives you several important benefits.

  • Almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your Honda with a loan, it's guaranteed your bank will force you to have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Honda at a significantly higher premium and require you to reimburse them a much higher amount than you were paying before.
  • Insurance preserves not only your Honda Insight but also your financial assets. It will also cover medical bills for yourself as well as anyone injured by you. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Honda as the result of the weather or an accident, your insurance policy will pay to have it repaired.

The benefits of insuring your Insight more than cancel out the cost, especially with large liability claims. An average driver in America is overpaying more than $830 a year so shop around once a year at a minimum to help ensure money is not being wasted.

Score discounts on San Antonio car insurance

Some insurers do not list every discount available very well, so the following list contains both well-publicized and the harder-to-find credits available to you.Cheaper car insurance with discounts

  • Safe Driver Discount - Drivers who avoid accidents can save up to 40% or more on their San Antonio auto insurance quote than less cautious drivers.
  • 55 and Retired - Drivers over the age of 55 could receive a small decrease in premiums.
  • Life Insurance Discount - Larger insurance companies have a break if you buy a life insurance policy as well.
  • Anti-theft System - Cars and trucks optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • Good Student - Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Defensive Driver Discount - Taking part in a defensive driving course is a good idea and can lower rates if you qualify.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with certain companies.
  • Use Seat Belts - Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Passenger Safety Discount - Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
  • Save with More Vehicles Insured - Having all your vehicles on the same car insurance policy can get a discount for every vehicle.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Even though it appears having all the discounts means you get insurance for free, companies don't profit that way.

The example below compares Honda Insight insurance premiums with and without some available policy discounts. The prices are based on a male driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, homeowner, marriage, and multi-policy discounts applied.

A partial list of companies who might offer some of the above discounts include:

If you need the cheapest Honda Insight rate quotes, ask every company the best way to save money. All car insurance discounts may not apply in San Antonio. If you would like to see a list of providers who offer discounts in San Antonio, follow this link.

Car insurance quotes from local San Antonio insurance agencies

Certain consumers still prefer to get professional advice from a licensed agent and that can be a great decision Licensed agents can make sure you are properly covered and help submit paperwork. A good thing about comparing car insurance online is you can get cheap car insurance quotes and still have a local agent.

Insurance agents in San AntonioOnce you complete this form (opens in new window), the quote information is immediately sent to companies in San Antonio that can provide free San Antonio auto insurance quotes to get your business. It's much easier because you don't need to contact any insurance agencies because quoted prices will be sent to you instantly. If you wish to get a comparison quote from a particular provider, you would need to navigate to their website and fill out the quote form the provide.

Selecting an insurer requires more thought than just the bottom line cost. Any good agent in San Antonio should know the answers to these questions.

  • Can you get a list of referrals?
  • Can they help ensure a fair claim settlement?
  • Do they write coverage based solely on cost?
  • Is insurance their full-time profession?
  • If you raise deductibles, how much can you save?
  • Do they specialize in personal lines coverage in San Antonio?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Will the agent or a CSR service your policy?

Upon receiving answers to your satisfaction to any questions you may have and low cost Honda Insight insurance quotes, it's a good possibility that you have found a company that can provide car insurance coverage. Just keep in mind you can always cancel coverage any time you want so don't feel that you are obligated to any specific company for a certain time period.

Affordable insurance premiums are out there

We just presented many tips how you can reduce Honda Insight insurance prices online in San Antonio. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Drivers may even discover the lowest prices are with a lesser-known regional company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

As you quote San Antonio auto insurance, you should never skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your goal is to buy enough coverage for the lowest cost, not the least amount of coverage.

Much more information about insurance in Texas can be read at the links below