Car Insurance Rates for a Honda Insight in Mesa

It’s an obvious assumption that car insurance companies don’t want you quoting rates from other companies. Drivers who compare other prices are likely to move their business because of the high probability of finding a lower-priced company. A recent survey revealed that consumers who compared rates annually saved $850 each year as compared to drivers who never shopped for cheaper rates.

If finding budget-friendly rates on car insurance is the reason you’re here, then learning about how to quote and compare cheaper coverage can save time and money.

Truthfully, the best way to find the cheapest price for Honda Insight insurance in Mesa is to annually compare prices from insurance carriers who can sell car insurance in Arizona. Rates can be compared by following these guidelines.

• First, get a basic knowledge of how insurance works and the steps you can take to drop your rates. Many things that are responsible for high rates such as accidents, traffic tickets, and a low credit score can be controlled by making minor driving habit or lifestyle changes. Continue reading for more ideas to get affordable coverage and get bigger discounts.
• Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices from multiple sources.
• Third, compare the new rates to your existing coverage to see if a cheaper rate is available in Mesa. If you find a lower rate quote and change companies, ensure there is no coverage lapse between policies.
• Fourth, provide proper notification to your current company of your intent to cancel the current policy and submit the completed application along with a down payment to the new company. Don’t forget to keep your new proof of insurance certificate with your vehicle’s registration.

A good tip to remember is that you’ll want to make sure you compare the same amount of coverage on each quote request and to quote with every insurance company. Doing this ensures an apples-to-apples comparison and a thorough selection of prices.

Buying the cheapest auto insurance in Mesa can be easy if you know a few tricks. If you’re already insured, you stand a good chance to be able to reduce the price you pay using the concepts covered in this article. Drivers just need to know the most efficient way to buy auto insurance online from multiple companies.

The companies in the list below are our best choices to provide price comparisons in Arizona. If you want to find cheap auto insurance in Mesa, AZ, we recommend you visit as many as you can to get the most affordable price.

Statistics and details

The premium table shown next covers different prices for Honda Insight models. Having a better idea how policy premiums are calculated is important to be able to make informed decisions when shopping around for a new policy.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Table data does not factor in specific Mesa garaging location which can modify prices considerably.

Higher deductibles save money

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The tables below can help you understand the rate fluctuation between high and low insurance deductibles. The first rate table uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in vehicle garaging location which can influence price quotes greatly.

We can estimate from the data above that using a $250 deductible will cost you roughly $22 more each month or $264 a year across all Honda Insight models than selecting the higher $1,000 deductible. Because you would 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 34 months between claims, you would come out ahead if you choose the higher deductible. The numbers below show the way you can perform this determination yourself.

Why Smart Consumers Pay Less for Honda Insight Insurance

It’s important that you understand some of the elements that go into determining your auto insurance rates. If you know what influences your rates, this allows you to make good choices that will entitle you to better auto insurance rates.

• High premiums for teenage drivers – More experienced drivers have been proven to be more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets. Teenage drivers are statistically shown to be less responsible when driving therefore auto insurance rates are much higher.

  The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Multiple policies with one company can save – Some insurers provide a discount to people who buy several policies from them in the form of a multi-policy discount. Discounts can be ten or even fifteen percent. Even with this discount, it’s always a smart idea to comparison shop to verify if the discount is saving money.

• Obey driving laws and save – Having just one chargeable violation can increase the cost of insurance by as much as twenty percent. Careful drivers get better rates compared to bad drivers. Drivers who get dangerous tickets such as DWI, reckless driving or hit and run convictions may be required to complete a SR-22 with their state DMV in order to keep their license.

  The example below highlights how speeding tickets and accident claims can influence Honda Insight insurance costs for different age groups. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

• Drive less and save – The higher the miles on your Honda in a year’s time the more you’ll pay to insure your vehicle. A lot of insurance companies rate vehicles based upon how the vehicle is primarily used. Autos used primarily for pleasure use receive lower rates compared to those used for work or business. It’s a good idea to make sure your auto insurance policy states the right rating data, because improper ratings can cost you money. Having the wrong rating on your Insight may be wasting your money.
• Better premiums for continuous auto insurance coverage – Driving your car without having proper coverage is a big no-no and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
• Save money by raising physical damage deductibles – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Honda. Examples of some claims that would be covered could be a broken side mirror, hail damage, and windstorm damage. The deductibles you choose are how much you are willing to pay if a covered claim is submitted. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.
• Extra coverages can waste money – Insurance policies have a lot of extra coverages that sound like a good idea at the time if you don’t pay attention. Insurance for coverage for rental cars, high-cost glass coverage, and membership fees may be costing you every month. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.

• Your gender affects prices – Over the last 30 years, statistics show that females take fewer risks when driving. However, this does not mean men are worse drivers. Both sexes tend to get into auto accidents in similar percentages, but men have accidents that have higher claims. Men also tend to get ticketed for serious violations such as reckless driving.

  The illustration below shows the comparison of Honda Insight car insurance costs for male and female drivers. The premiums are based on a clean driving record, no claims, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Here’s why insurance is not optional

Even though Mesa Insight insurance rates can get expensive, insurance is required in Arizona but it also protects you in many ways.

• Most states have minimum liability requirements which means you are required to buy specific limits of liability coverage in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your vehicle has a loan, it’s guaranteed your bank will make it mandatory that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank may insure your Honda at a significantly higher premium and force you to pay a much higher amount than you were paying before.
• Insurance protects both your Honda and your assets. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of insuring your Insight definitely exceed the price paid, especially with large liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $855 a year so we recommend shopping around every year to ensure rates are competitive.