Best Rates for Honda Insight Insurance in Virginia Beach

Locating better insurance prices for a new or used Honda Insight in Virginia can normally be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to shop for insurance so you’re going to learn the quickest way to get price quotes on a Honda and locate the cheapest rates from both online companies and Virginia Beach agents.

All the larger insurance companies provide price estimates on their websites. This process doesn’t take a lot of time because you just enter the amount of coverage you want on the page. Upon sending the form, their quoting system makes automated requests for your credit score and driving record and generates a price determined by many factors.

The ability to get online quotes for Honda Insight insurance in Virginia Beach makes it a lot easier to compare rates and it’s also necessary to compare as many rates as possible if you are searching for the most affordable possible premiums on insurance.

In order to use this form to compare rates, compare rates from the companies below. If you have your current policy handy, we recommend you input coverages and limits exactly as they are listed on your policy. Doing this assures you will be getting a rate comparison for the exact same coverage.

The companies shown below can provide price comparisons in Virginia. To buy the cheapest auto insurance in Virginia Beach, we suggest you visit several of them in order to get a fair rate comparison.

Data for Honda Insight insurance

The premium information below covers different insurance prices for Honda Insight models. Being aware of how auto insurance premiums are established is important for you to make decisions on the best policy coverages.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in Virginia Beach location which can raise or lower coverage rates considerably.

How high should deductibles be?

One of the more difficult decisions when buying insurance is which comprehensive and collision deductibles to buy. The data tables below highlight how much more you’ll pay when you choose different physical damage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in specific Virginia Beach garaging location which can raise or lower coverage rates noticeably.

We can derive from the above data that using a $100 deductible will cost you roughly $18 more each month or $216 a year across all Honda Insight models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 22 months between claims, you would come out ahead if you choose the higher deductible.

The information below shows how choosing a deductible and can increase or decrease Honda Insight insurance rates for different age groups. The information is based on a married male driver, full coverage, and no discounts are applied to the premium.

Responsible drivers pay cheaper insurance rates

The chart below demonstrates how traffic citations and accident claims drive up Honda Insight insurance premiums for each age group. The data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Insuring your Honda vehicle just makes sense

Despite the high insurance cost for a Honda Insight in Virginia Beach, buying auto insurance may be required for several reasons.

• Most states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability in order to be legal. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If you have a lien on your vehicle, more than likely the lender will stipulate that you have insurance to guarantee their interest in the vehicle. If the policy lapses, the lender may insure your Honda at a significantly higher premium and require you to fork over much more than you were paying before.
• Insurance protects both your Honda Insight and your personal assets. Insurance will pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay to defend you if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. Today the average American driver overpays more than $855 a year so you should quote your policy with other companies every year to help ensure money is not being wasted.

Why Your Insurance Premiums might be higher

Multiple criteria are used when quoting car insurance. Most are fairly basic like a motor vehicle report, but others are not as apparent such as your credit history or your commute time. The best way to find cheaper auto insurance is to take a look at some of the factors that help determine auto insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower auto insurance prices.

Do women or men drive better? – Statistics show females are less aggressive when driving. It does not mean males are worse at driving than females. Females and males cause accidents in similar percentages, but males have costlier accidents. They also get ticketed for serious violations such as reckless driving.

The information below compares Honda Insight premium costs for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

How your age affects costs – More experienced drivers are more cautious drivers, statistically cause fewer accidents, and receive fewer citations. Teenage drivers have been known to be inattentive when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.

The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Bad credit will cost you – A driver’s credit history is likely to be a major factor in calculating your premium rate. So if your credit score is lower than you’d like, you could pay less to insure your Honda Insight if you clean up your credit. Drivers with good credit tend to be more responsible than those with lower credit ratings.

Save money by having multiple policies – Most major auto insurance companies will give better rates to customers who buy several policies from them. It’s known as a multi-policy discount. Even if you already get this discount, drivers will still want to compare other Virginia Beach Insight insurance rates to ensure the best deal.There is a chance you can find a better deal by buying insurance from more than one company.

Deter car thieves – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your vehicle from being stolen.

Better premiums for continuous auto insurance coverage – Letting your insurance expire can be a sure-fire way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage may earn you a fine, jail time, or a revoked license.

Don’t overlook these Honda Insight insurance discounts

Auto insurance companies don’t always publicize every available discount very clearly, so the list below contains a few of the more common and also the lesser-known credits available to bring down your rates.

• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
• One Accident Forgiven – This one isn’t a discount, but companies like State Farm and Allstate permit an accident without the usual rate increase with the catch being you have to be claim-free prior to the accident.
• Save with a New Car – Buying a new car instead of a used Insight can get you a discount since new vehicles are generally safer.
• Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• ABS and Traction Control Discounts – Cars with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
• Professional Organizations – Joining a civic or occupational organization in Virginia Beach could earn you a nice discount on car insurance.
• Distant Student – Kids who live away from home to go to college without a vehicle on campus can receive lower rates.
• Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
• Online Discount – Many companies give back up to $50 get Virginia Beach auto insurance on your computer.

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

The information below visualizes the comparison of Honda Insight insurance costs with and without discounts applied. The premium estimates are based on a male driver, no claims or driving violations, Virginia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-policy, claim-free, and multi-car discounts applied.

A list of companies and some of the discounts can be read below.

• Progressive includes discounts for multi-vehicle, good student, online quote discount, continuous coverage, and multi-policy.
• MetLife policyholders can earn discounts including multi-policy, accident-free, good student, claim-free, defensive driver, good driver
• Mercury Insurance may have discounts that include age of vehicle, professional/association, ease of repair, multi-car, and accident-free.
• Nationwide has savings for easy pay, good student, accident-free, business or organization, defensive driving, and anti-theft.
• GEICO offers premium reductions for seat belt use, anti-lock brakes, defensive driver, driver training, anti-theft, and five-year accident-free.
• AAA offers discounts for pay-in-full, multi-car, education and occupation, AAA membership discount, good driver, and multi-policy.

When getting free Virginia Beach auto insurance quotes, it’s a good idea to each company the best way to save money. Some discounts listed above may not apply in Virginia Beach.

How do I know if I need professional advice?

When it comes to a policy for your vehicles, there really isn’t a single plan that fits everyone. You are unique.

Here are some questions about coverages that might point out whether you might need an agent’s assistance.

• Do I have coverage when pulling a U-Haul trailer?
• Am I covered if I hit a deer?
• What is covered by UM/UIM coverage?
• What if I don’t agree with a claim settlement offer?
• Is a new car covered when I drive it off the dealer lot?
• Can I make deliveries for my home business?
• Is my camper covered by my car insurance policy?
• What are the best liability limits?
• What states are considered no-fault?
• What can I do if my company won’t pay a claim?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

What if I want to buy from local Virginia Beach insurance agencies?

Certain consumers still prefer to talk to a local agent and there is nothing wrong with that. Good agents will help you protect your assets and help file insurance claims. An additional benefit of price shopping on the web is that drivers can save money and get cheap auto insurance rates and still have a local agent. Buying from and supporting neighborhood agents is important particularly in Virginia Beach.

After filling out this short form, your coverage information is submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. You never need to contact an agency due to the fact that quote results will go directly to your email. If you want to compare rates from one company in particular, just go to their quote page and complete a quote there.

Below is a short list of auto insurance companies in Virginia Beach that may be willing to give rate quotes for Honda Insight insurance in Virginia Beach.

• Jane Peak – State Farm Insurance Agent
  315 N Great Neck Rd #220 – Virginia Beach, VA 23454 – (757) 340-8060 – View Map
• Cheeks Insurance Agency
  4968 Euclid Rd e – Virginia Beach, VA 23462 – (757) 309-1850 – View Map
• Nationwide Insurance: Guzman Insurance Agency Inc
  1920 Centerville Turnpike Ste 97 – Virginia Beach, VA 23464 – (757) 479-0551 – View Map
• Nationwide Insurance: Lovas Insurance Agency Inc
  244 Mustang Trail #1 – Virginia Beach, VA 23452 – (757) 340-8310 – View Map

More insurance agents

Finding the right insurance company should include more criteria than just a cheap price quote. Any agent in Virginia Beach should be forthright in answering these questions:

• Are they able to provide referrals?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do they have any clout with companies to ensure a fair claim settlement?
• Who are their largest clients?
• How experienced are they in personal risk management?
• Is their price quote a firm figure or are their hidden costs?

In Summary

Drivers who switch companies do it for a variety of reasons including policy non-renewal, unfair underwriting practices, delays in responding to claim requests and even high rates after DUI convictions. No matter why you want to switch, choosing a new company is not as hard as you think.

Cheaper Honda Insight insurance in Virginia Beach can be sourced online and with local Virginia Beach insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide rates over the internet and usually these small insurance companies only sell through independent insurance agents.

In this article, we covered many ideas to compare Honda Insight insurance prices in Virginia Beach. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

Steps to finding discount Honda Insight insurance in Virginia Beach

The best way to save money on Honda Insight insurance is to start comparing prices regularly from companies who sell auto insurance in Virginia Beach. You can compare rates by following these guidelines.

Step 1: Read about how auto insurance works and the factors you can control to prevent rate increases. Many rating factors that cause rate increases such as distracted driving and a low credit score can be amended by making minor driving habit or lifestyle changes.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can provide prices from multiple insurance companies.

Step 3: Compare the quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.

One tip to remember is to compare the same level of coverage on each quote and and to get prices from as many different companies as possible. This helps ensure a fair price comparison and a thorough price selection.

To learn more, link through to the articles below:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What Car Insurance is Cheapest for 18 Year Olds in Virginia Beach? (FAQ)
• What Auto Insurance is Cheapest for a 20 Year Old Female in Virginia Beach? (FAQ)
• Who Has the Cheapest Virginia Beach Car Insurance Rates for Immigrants? (FAQ)
• Who Has Affordable Virginia Beach Car Insurance Rates for Low Income Drivers? (FAQ)
• How Much is Car Insurance for a Ford Fusion in Virginia Beach? (FAQ)
• Information for Teen Drivers (GEICO)
• How to Avoid Staged Accidents (State Farm)