Find Affordable Honda Insight Insurance in San Diego

Want to know how to find lower-priced Honda Insight insurance in San Diego? No one in their right mind rejoices having to buy auto insurance, especially knowing their premiums are too high.

Shocking but true, the vast majority of auto insurance customers kept buying from the same company for four years or more, and almost half have never even compared rates from other companies. Drivers in California could save about 35% a year by just comparing rate quotes, but most tend to underestimate the big savings they would realize if they switched to a cheaper policy. You have so many insurers to purchase coverage from, and even though it’s nice to have a selection, more choices can make it harder to adequately compare rates for Honda Insight insurance in San Diego.

It’s important to compare rates every six months because prices change quite often. Even if you think you had the best deal on Honda Insight insurance in San Diego a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to learn the right way to lower your rates without sacrificing coverage.

These discounts can cut Honda Insight insurance rates

Some providers do not list every policy discount very well, so the following is a list of both the well known as well as the least known discounts that may be available. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

• Active Military Service – Having a deployed family member may qualify for rate reductions.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles help deter theft and can earn a small discount on your policy.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you lower prices if you buy a life insurance policy as well.
• No Charge for an Accident – This one is not really a discount per se, but companies like Allstate and State Farm permit an accident before raising your premiums if your claims history is clear prior to being involved in the accident.
• Organization Discounts – Belonging to certain professional organizations can get you a small discount when getting a San Diego car insurance quote.

A quick disclaimer, most credits do not apply to the whole policy. Most cut specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, you’re out of luck.

For a list of insurers that have a full spectrum of discounts in San Diego, click here.

How to buy Honda Insight insurance online

Finding low cost car insurance quotes is not a difficult process. Consumers just need to invest a few minutes comparing rate quotes from online providers.

Comparison shopping quotes online is easy and it makes it a waste of time to call or drive to insurance agencies in your area. The ability to quote Honda Insight insurance online has made agencies unnecessary unless you prefer the trained advice that can only be provided by a licensed insurance agent. Although, it is possible get the lowest quotes online but have your policy serviced through an agent.

The companies in the list below provide quotes in California. If multiple providers are shown, it’s highly recommended you visit two to three different companies to get the lowest price.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can impact price quotes considerably.

Higher deductibles lower rates

A question often asked by San Diego drivers is how high or low should comp and collision deductibles be. The comparisons below summarize the differences in premium rates between high and low comp and collision deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in specific location which can influence premium rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $44 more each month or $528 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Policy deductible comparison

The diagram below illustrates how your deductible choice and can increase or decrease Honda Insight insurance rates for each different age category. The premium estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.

Gender differences in auto insurance premiums

The chart below visualizes the comparison of Honda Insight auto insurance costs for male and female drivers. The rates are based on no claims or violations, comp and collision included, $500 deductibles, drivers are not married, and no additional discounts are factored in.

How Insurers Calculate Honda Insight Insurance Prices

It’s important that you understand the different types of things that play a part in calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that may reward you with better car insurance rates. Lots of things are taken into consideration when premium rates are determined. Some are pretty understandable like a motor vehicle report, but some are less obvious like where you live and annual miles driven.

• Accidents hurt – Careful drivers tend to pay less for car insurance compared to bad drivers. Even a single speeding ticket can increase the cost of insurance forty percent or more. Drivers unfortunate enough to have severe citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
• Pay more out-of-pocket – The deductibles are the amount of money you are willing to pay before a claim is paid by your company. Protection for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are a windshield broken by a bird, animal collisions, or theft of your vehicle. The more you have to pay, the bigger discount you will receive.
• Improve your credit rating – An insured’s credit rating factor in your rate calculation. People with very good credit scores tend to file fewer claims as compared to drivers with poor credit scores. So if your credit rating is lower than you’d like, you could potentially save money when insuring your Honda Insight by improving your rating.
• Pay more if you have a long commute – Living in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Drivers who live in large cities have to deal with congested traffic and a longer drive to work. Lower population means fewer accidents and lower theft and vandalism rates.
• Gender and car insurance prices – Over the last 30 years, statistics show women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. Women and men cause at-fault accidents at a similar rate, but the men have costlier accidents. Men also statistically get higher numbers of serious violations like DUI and reckless driving. Male teenagers are most likely to cause an accident and therefore pay the highest rates.
• Higher prices for specific occupations – Careers such as judges, air traffic controllers, and stock brokers tend to pay the highest rates in part from high stress levels and long work days. On the other hand, occupations like farmers, athletes and retirees get better rates.
• Insurance rates and vehicle performance – The type of car you need insurance for makes a substantial difference in the rate you pay. Since the Honda Insight falls in the passenger car class, rates will be similar in price or lower compared to average rates in San Diego. Low performance passenger cars normally have pretty low rates, but your final cost has many other factors.
• Cheaper prices with safer cars – Vehicles with good safety scores tend to have lower insurance rates. Safe vehicles have better occupant injury protection and lower rates of occupant injuries means your insurance company pays less passed on to you as lower rates.

Compare rates but work with a local neighborhood San Diego car insurance agent

Many people would rather get professional advice from a licensed agent and that is OK! Good insurance agents are very good at helping people manage risk and help you file claims. One of the best bonuses of price shopping on the web is the fact that drivers can get cheap car insurance rates and also buy local. Buying from and supporting neighborhood agents is important particularly in San Diego.

Upon completion of this simple form, your coverage information is instantly submitted to companies in San Diego who want to provide quotes and help you find cheaper coverage. You never need to even leave your home due to the fact that quote results will go to you directly. If you want to get a comparison quote for a specific company, just find their quoting web page and submit a quote form there.

If you’re trying to find a local agent, you must know there are a couple types of insurance agents that you can select. Car insurance agencies can be described as either exclusive agents or independent agents. Both types of agents can write policy coverage, but we need to point out the difference in how they write coverage because it may have an impact on which agent you choose.

Independent Agents

Independent agencies are not required to write business for one company so as a result can place your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and that require little work on your part.

If you are comparing car insurance prices, you absolutely need to get several quotes from several independent insurance agents to ensure the widest selection of prices.

The following is a list of independent insurance agencies in San Diego who can help you get comparison quotes.

View more San Diego agents

Exclusive Agents

Exclusive agencies can usually just insure with one company such as Allstate, Farmers Insurance or State Farm. These agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are well trained in insurance sales which helps them sell on service rather than price.

Below is a short list of exclusive agencies in San Diego willing to provide comparison quotes.

View more San Diego agents

Choosing the best auto insurance agent is decision based upon more than just the bottom line cost. The questions below may impact your decision as well.

• Are claim adjusters local or do you have to take your car somewhere else?
• Is there a Errors and Omissions policy in force?
• Does the company have a solid financial rating?
• How would your car be valued if totalled?
• Can they provide you with a list of referrals?
• Are all drivers listed on the coverage quote?
• Does the company allow you to choose your own collision repair facility?

After receiving reasonable responses to any questions you have as well as an affordable premium quote, you have narrowed it down to an auto insurance agent that can be trusted to service your policy.

Choosing the best vehicle insurance in California is an important decision

Despite the high insurance cost for a Honda Insight in San Diego, insuring your vehicle is not optional due to several reasons.

• Most states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Honda Insight, almost all lenders will require you to carry insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your Honda at a more expensive rate and force you to pay for the expensive policy.
• Insurance preserves your car and your assets. It will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If you have damage to your Honda as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of insuring your car are definitely more than the cost, particularly if you ever have a claim. As of last year, the average driver in California is overpaying more than $800 each year so compare rates at least once a year to save money.

Lower rates by being persistent

Cheaper auto insurance in San Diego is definitely available on the web and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and most of the time these regional insurance providers work with independent insurance agencies.

We’ve covered a lot of tips how to compare Honda Insight insurance prices in San Diego. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable Honda Insight insurance quotes. You may even be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

To learn more, feel free to browse the articles below:

• Teen Driver Statistics (Insurance Information Institute)
• Who Has Affordable Car Insurance for First-time Drivers in San Diego? (FAQ)
• Who Has Affordable Auto Insurance for Seniors in San Diego? (FAQ)
• Who Has Cheap San Diego Auto Insurance with Multiple Speeding Tickets? (FAQ)
• State Laws for Cellphones and Texting (iihs.org)
• Where can I buy Insurance? (Insurance Information Institute)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)