Find Cheaper Honda Insight Insurance in Pittsburgh

Want to save money and find more affordable Honda Insight insurance in Pittsburgh? If price shopping Pittsburgh auto insurance quotes online is new to you, by this point your are probably bewildered due to the large number of insurers who all claim to have the lowest rates for Honda Insight insurance in Pittsburgh.

Steps to saving money on Honda Insight insurance in Pittsburgh

If saving the most money is your goal, then the best way to get discount Honda Insight insurance in Pittsburgh is to begin comparing prices regularly from companies who sell insurance in Pennsylvania.

• Step 1: Spend some time learning about policy coverages and the measures you can take to keep rates in check. Many things that cause rate increases such as multiple speeding tickets and an unacceptable credit score can be controlled by making minor driving habit or lifestyle changes.
• Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while agents who are independent can provide prices from multiple companies.
• Step 3: Compare the price quotes to your current policy premium to determine if switching companies saves money. If you can save money and buy the policy, make sure coverage is continuous and does not lapse.
• Step 4: Provide notification to your current company to cancel your current auto insurance policy and submit a signed application and payment to your new company or agent. As soon as coverage is bound, put the proof of insurance certificate with the vehicle registration.

An essential thing to point out is to make sure you’re comparing identical limits and deductibles on every price quote and and to look at as many different insurance providers as possible. This guarantees a fair price comparison and plenty of rates choose from.

It’s an obvious statement that auto insurance companies want to keep you from comparing prices. Insureds who compare rates annually will, in all likelihood, switch insurance companies because there is a great chance of finding discount prices. Remarkably, a study showed that drivers who made a habit of comparing rates saved as much as $865 a year as compared to drivers who never shopped for cheaper rates.

If finding low prices for car insurance in Pittsburgh is your ultimate objective, then having an understanding of how to find companies and compare insurance rates can help make the process easier.

It’s important to quote other rates yearly because insurance prices are rarely the same from one policy term to another. If you had the lowest rate on Honda Insight insurance in Pittsburgh a couple years back you will most likely find a better premium rate today. You can search a lot of Insight insurance on the web, but by reading this article, you’re going to learn some excellent ideas to save money.

Obtaining price quotes for cheaper auto insurance policy in Pittsburgh is not as confusing as people think. In essence, each driver who needs lower cost auto insurance will most likely find a lower-cost policy. Nevertheless, Pennsylvania car owners do need to know the methods companies use to determine prices because it can help you find the best coverage.

Companies offering Honda Insight insurance in Pittsburgh

The companies shown below are our best choices to provide free rate quotes in Pittsburgh, PA. If you want the best auto insurance in PA, it’s highly recommended you compare several of them to get a more complete price comparison.

Statistics and details

The coverage table shown below covers a range of insurance premium costs for Honda Insight models. Having knowledge of how policy premiums are established can help customers make smart choices when purchasing an auto insurance policy.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in garaging location in Pittsburgh which can change coverage prices significantly.

Policy deductibles

One common question asked by Pittsburgh drivers is at what level do you set your deductibles. The premium rates below approximate how much more you’ll pay of buying low and high policy deductibles. The first set of rates uses a $250 deductible and the second price table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can revise coverage prices greatly.

We can derive from the above data that using a $250 deductible costs roughly $25 more each month or $300 every year than choosing the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 30 months between claim filings, you would save money if you decide on a higher deductible.

Should you buy full coverage?

The chart below shows the comparison of Honda Insight auto insurance rates with liability coverage only compared to full coverage. The prices are based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

When to drop full coverage

There is no specific rule to stop paying for physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s say your Honda Insight claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after you pay the deductible. If it’s costing you more than $700 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are a few situations where only buying liability is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.

The Honda Insight Insurance Price Equation

Many factors are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving history, although some other factors are less obvious like where you live or your commute time. Part of the auto insurance buying process is learning some of the things that are used to determine the level of your policy premiums. If you know what controls the rates you pay, this enables informed choices that can help you get lower premium levels.

Listed below are some of the factors companies use to determine your premiums.

Being married is a good thing – Having a wife or husband actually saves money on auto insurance. It is viewed as being more mature and responsible and it’s statistically proven that married couples file fewer claims.

Don’t let your coverage lapse – Allowing your auto insurance policy to lapse will be a fast way to trigger a rate increase. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Pennsylvania motor vehicle department.

Are men or women drivers cheaper? – The statistics show females are less aggressive when driving. Now that doesn’t mean women are better drivers. Women and men cause at-fault accidents in similar numbers, but men tend to have more serious accidents. Men also statistically receive more major tickets such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high auto insurance rates.

The information below compares Honda Insight premium costs for male and female drivers. The premium estimates are based on no violations or claims, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.

Higher deductibles are cheaper – Physical damage protection, also called ‘full coverage’, is used to repair damage to your Honda. Some examples of covered claims could be colliding with a building, hitting a deer, and damage from a fallen tree branch. Your deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The higher the amount the insured is willing to pay, the lower your rates will be.

Drive less and save – Driving more miles in a year the higher the price you pay to insure it. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Vehicles that are left in the garage can be on a lower rate level than those that get driven frequently. It’s a smart idea to ensure your policy correctly shows the correct driver usage. Having an incorrect usage rating on your Insight can result in significantly higher rates.

Impacts performance impacts auto insurance prices – The performance of the car, truck or SUV you need insurance for makes a significant difference in your car insurance bill. The cheapest insurance rates are generally reserved for lower cost passenger models, but that’s not the only thing that factors into the final price.

The chart below uses these variables: single male driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Honda Insight car insurance rates compared to other vehicles that have a range of performance rating factors.

Costs and your address – Residing in less populated areas of the country has it’s advantages when shopping for auto insurance. People who live in big cities regularly have more traffic problems and much longer commute distances. Fewer drivers on the road means a lower chance of having an accident in addition to fewer liability claims.

Pittsburgh insurance discounts

Insurance is easily one of your largest bills, but there are discounts available that you may not even know about. Many of these discounts will be applied automatically at the time you complete a quote, but occasionally some discounts must be specially asked for prior to getting the savings.

• Resident Student – Children who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
• Driver Education Discount – Require your teen driver to complete a driver education course as it can save substantially.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up could save 15% off the personal injury premium cost.
• Defensive Driver – Successfully completing a course teaching defensive driver skills could earn you a small percentage discount and easily recoup the cost of the course.
• Paper-free Discount – Certain larger companies may give you up to $50 for buying a policy and signing up on your computer.
• Save with a New Car – Buying a new car instead of a used Insight can cost up to 25% less because new model year vehicles keep occupants safer.
• Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your Pittsburgh auto insurance quote.
• Waiver for an Accident – Not really a discount, but certain companies will let one accident slide without getting socked with a rate hike so long as you are claim-free for a specific time period.
• Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
• Home Ownership Discount – Just owning your own home can help you save on insurance because owning a home shows financial diligence.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The illustration below compares Honda Insight yearly insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no violations or claims, Pennsylvania 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 multi-policy, multi-car, claim-free, homeowner, marriage, and safe-driver discounts applied.

If you would like to see a list of insurers with the best Honda Insight insurance discounts in Pittsburgh in Pennsylvania, click here.

Buying from insurance agencies

Many drivers still like to sit down with an agent and that is not a bad decision A nice benefit of getting free rate quotes online is that drivers can save money and get lower rates and still buy from a local agent. Putting coverage with small agencies is important especially in Pittsburgh.

Upon completion of this simple form, your coverage information gets sent to insurance agents in Pittsburgh that give free quotes to get your business. There is no need to do any legwork as quotes are delivered to the email address you provide. It’s the lowest rates and work with a local agent. If you need to get a rate quote from a particular provider, don’t hesitate to jump over to their website and complete a quote there.

The following is a list of insurers in Pittsburgh that can give you comparison quotes for Honda Insight insurance in Pittsburgh.

• Nationwide Insurance: Joshua Michael Dott Agency
  513 Towne Square Way – Pittsburgh, PA 15227 – (412) 927-2400 – View Map
• D Johnson Insurance Agency
  12806 Frankstown Rd – Pittsburgh, PA 15235 – (412) 744-4800 – View Map
• Joy Capozzi – State Farm Insurance Agent
  3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014 – View Map
• Casper Insurance Agency, Inc.
  611 Mt Royal Blvd – Pittsburgh, PA 15223 – (412) 486-9200 – View Map

View more agents

Deciding on a insurer needs to be determined by more than just a cheap quote. These questions are important to ask:

• Are they properly licensed to sell insurance in Pennsylvania?
• What kind of financial rating does the company have?
• Do you qualify for any additional discounts?
• Are they full-time agents?
• Do they reduce claim amounts on high mileage vehicles?
• Do they have 24-hour customer assistance?
• What insurance companies do they recommend if they are an independent agent?

The best insurance company isn’t always the cheapest

When shopping online for car insurance, don’t be tempted to reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, delays in paying claims, poor customer service or high prices. No matter why you want to switch, choosing a new company is easier than you think.

Lower-priced Honda Insight insurance in Pittsburgh is available from both online companies as well as from independent agents in Pittsburgh, so you should compare both to get a complete price analysis. There are still a few companies who may not provide rates over the internet and these small, regional companies prefer to sell through independent agents.

How to find affordable quotes for Honda Insight insurance in Pittsburgh

If saving money is your primary concern, then the best way to save on auto insurance rates in Pittsburgh is to regularly compare prices from insurance carriers who can sell car insurance in Pennsylvania.

1. Get an understanding of coverages and the modifications you can make to keep rates low. Many policy risk factors that cause high rates such as at-fault accidents, careless driving, and a less-than-favorable credit history can be rectified by paying attention to minor details.
2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote prices from multiple insurance companies.
3. Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.
4. Provide written notification to your current company to cancel your current car insurance policy. Submit a down payment along with a completed application to your new insurance company. Immediately store the proof of insurance paperwork with the vehicle registration.

A good piece of advice is to use the same physical damage deductibles and liability limits on every quote request and and to look at as many different companies as possible. Doing this guarantees the most accurate price comparison and the best price selection.

More detailed car insurance information can be found at these sites:

• Comprehensive Coverage (Liberty Mutual)
• How Much are Auto Insurance Rates for a Nissan Altima in Pittsburgh? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Jeep Wrangler in Pittsburgh? (FAQ)
• Who Has Cheap Car Insurance Rates for Handicapped Drivers in Pittsburgh? (FAQ)
• What Auto Insurance is Cheapest for a School Permit in Pittsburgh? (FAQ)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Neck Injury FAQ (iihs.org)
• Senior Drivers (Insurance Information Institute)