Compare 2021 Honda Insight Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2024

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Searching for cheaper auto insurance rates for your Honda Insight? Nobody that owns a car is fond of buying auto insurance, especially knowing they could get a better deal. Since you have so many options, it can be challenging to find the lowest cost auto insurance company.

The purpose of this post is to tell you how to get online quotes and some money-saving tips. If you are paying for car insurance now, you should be able to save some money using these tips. Drivers only need to know the most effective way to find the lowest price online.

Double check you’re getting these discounts

Some insurers don’t always advertise all possible discounts very clearly, so the list below contains some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online. If you’re not getting every credit possible, you’re paying more than you need to.

  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Insight coverage with some insurance companies.
  • Telematics Data Discounts – Policyholders that allow their insurance company to look at driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they are good drivers.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up can save a little off the PIP or medical payment premium.
  • Senior Discount – Seniors can possibly qualify for lower premium rates for Insight coverage.
  • Auto/Home Discount – When you combine your auto and home insurance and place coverage with the same company you could get a discount of at least 10% off all policies.
  • Safety Course Discount – Completing a course teaching driver safety skills can save you 5% or more and easily pay for the cost of the class.
  • Discount for Switching Early – Select insurance companies give a discount for switching to them prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
  • Accident Waiver – This isn’t a discount exactly, but a few companies such as Progressive, Allstate, and GEICO will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims before the accident.
  • Club Memberships – Having an affiliation with a professional or civic organization may earn a discount when getting a car insurance quote.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will cut the amount you pay for coverage.

A partial list of companies that may have some of the discounts shown above may include but are not limited to:

  • State Farm
  • Progressive
  • Progressive
  • MetLife
  • Farm Bureau

When quoting, ask each insurance company what discounts are available to you. Some credits might not be offered on policies in your area. To find insurance companies with the best insurance discounts, enter your zip code here.

How to buy car insurance online

Reducing your 2021 Honda Insight insurance rates can be quick and easy. The only thing you need to do is invest a few minutes to get quotes from some recommended companies. Price comparisons can be done using a couple different methods.

  1. The most efficient method to find the lowest comparison rates would be an industry-wide quote request form. This form saves time by eliminating repetitive form submissions to each individual car insurance company. Completing one form will return price quotes from many national carriers.
  2. A slightly less efficient method to get quotes online requires you to visit the website for every company you want to compare to complete their respective quote request forms. For examples sake, we’ll pretend you want to see prices from Auto-Owners, Liberty Mutual and Farmers. To do that, you would have to navigate to each company’s site and enter your policy data, which is why most consumers use the first method.

It doesn’t matter which method you choose, just try to keep nearly identical coverages for each price quote. If the quotes have different coverage information you will not be able to determine the best price for your Honda Insight.

Special considerations

When choosing adequate coverage, there is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

  • When should I buy a commercial auto policy?
  • Is my dog or cat covered if injured in an accident?
  • I don’t drive much so do I pay less?
  • At what point should I drop full coverage?
  • Can I afford low physical damage deductibles?
  • What is PIP insurance?
  • Is my cargo covered for damage or theft?
  • Am I covered when driving someone else’s vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete your zip code. It only takes a few minutes and can help protect your family.

Insurance coverage basics

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Insight.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, EMT expenses, surgery and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, rolling your car, backing into a parked car, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, hitting a deer, hail damage and fire damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, loss of income, repair costs for stationary objects, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

The bottom line

We just presented many tips how you can save on 2021 Honda Insight insurance. The key thing to remember is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may be surprised to find that the lowest rates are with a lesser-known regional company. These smaller insurers may have significantly lower car insurance rates on certain market segments than their larger competitors like GEICO and State Farm.

The cheapest 2021 Honda Insight insurance is definitely available both online and from local agencies, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not offer online rate quotes and most of the time these regional insurance providers work with local independent agents.

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