Save Money on Honda Insight Insurance in Philadelphia

Want to learn how to save money and find cheaper Honda Insight insurance in Philadelphia? Having to pay for high-priced Honda Insight insurance in Philadelphia can take a big chunk out of your bank account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away.

Insurance for Honda InsightIt’s a known fact that insurance companies want to prevent you from shopping around. Insureds who shop around for better prices are highly likely to buy a different policy because there is a high probability of finding a policy with better rates. A recent survey revealed that people who routinely compared rates saved as much as $70 a month compared to those who never shopped around.

If saving the most money on insurance is the reason for your visit, knowing how to get price quotes and compare insurance premiums can make it easier to shop your coverage around.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Honda Insight insurance discounts in Philadelphia

Auto insurance companies don’t always publicize every policy discount in an easy-to-find place, so the list below contains some of the more common and also the lesser-known credits available to lower your premiums when you buy Philadelphia car insurance online.

As a footnote on discounts, some of the credits will not apply to the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you aren’t that lucky.

The information below visualizes the comparison of Honda Insight premium costs with and without discounts applied to the rates. The premiums assume a male driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, marriage, multi-car, and safe-driver discounts applied.

A list of car insurance companies and a selection of discounts are detailed below.

When comparing rates, check with each company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policies everywhere.

When comparison shopping, there are several ways to get quotes from different Philadelphia insurance companies. The easiest way to do a complete rate comparison is to jump online and get quotes.

Comparing rates online is fast and free, and it replaces the need to actually drive to and from local Philadelphia insurance agencies. Quoting and buying Honda Insight insurance online has made agencies unnecessary unless you prefer the trained guidance of a local agency. However, consumers can price shop online but have a local agent actually write the policy.

Just keep in mind that comparing more prices helps you find more affordable insurance. Some companies don’t provide Philadelphia Insight insurance quotes over the internet, so you should also compare rates from them as well.

The companies shown below offer comparison quotes in Philadelphia, PA. If multiple companies are listed, it’s a good idea that you visit as many as you can to get a more complete price comparison.

Statistics and details

The premium table shown next covers estimates of insurance costs for Honda Insight models. Learning more about how insurance rates are figured can help customers make informed coverage decisions.

Honda Insight Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $154 $338 $346 $20 $104 $962 $80
Insight EX $178 $400 $346 $20 $104 $1,048 $87
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific Philadelphia garaging location which can lower or raise premiums significantly.

Smart Buyers Know How to Quote Auto Insurance for Less

Many things are taken into consideration when pricing auto insurance. Some are obvious like an MVR report, but others are less apparent such as your marital status or your financial responsibility.

Listed below are some of the items used by companies to determine prices.

How your age affects costs – More experienced drivers are viewed as being more responsible, are lower risk to insure, and get fewer tickets. Young drivers are statistically shown to be more careless when at the wheel of a vehicle therefore auto insurance rates are much higher.

The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

You might want pay the inexpensive policy claims yourself – Auto insurance companies in Pennsylvania provide better rates to insureds that do not abuse their auto insurance. If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Auto insurance is intended for major claims that would cause financial hardship.

Liability preserves assets – A critical coverage on your policy, liability insurance provides coverage in the event that you are responsible for damages from an accident. Liability provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Women tend to be lower risk – Over the last 50 years, statistics have shown that women are safer drivers than men. It does not mean males are worse at driving than females. Males and females tend to get into at-fault accidents in similar percentages, but the males have accidents that have higher claims. Men also tend to receive more costly citations such as reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.

The chart below shows the comparison of Honda Insight premium costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Never have policy lapses – Allowing your coverage to lapse will be a fast way to bump up your auto insurance costs. In addition to paying higher rates, the inability to provide proof of insurance could earn you a license revocation or jail time.

Get hitched and get cheaper premiums – Your spouse may cut your premiums compared to being single. It generally demonstrates drivers are more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.

When to have guidance from an agent

Some people still like to get professional advice from a licensed agent and we recommend doing that A good thing about comparing insurance prices online is the fact that you can find cheap insurance quotes but also keep your business local. Buying from and supporting local agencies is especially important in Philadelphia.

Insurance agency in PhiladelphiaFor easy comparison, once you complete this simple form, your insurance data is transmitted to insurance agents in Philadelphia who will gladly provide quotes for your insurance coverage. There is no reason to visit any agencies because quoted prices will be sent to you directly. You can get cheaper insurance rates without a big time investment. If you wish to compare prices from a specific insurance company, just jump over to their website to submit a rate quote request.

Different types of Philadelphia auto insurance agents

When searching for local Philadelphia agents, it helps to know the two different types of agents and how they are distinctly different. Agencies in Philadelphia can be described as either exclusive or independent (non-exclusive).

Independent Insurance Agencies

Agents that elect to be independent are not locked into one company so they have the ability to put coverage with an assortment of companies and find the cheapest insurance rates. If they find a cheaper price, the business is moved internally and that require little work on your part.

When shopping rates, you should always get insurance quotes from several independent insurance agents to maximize your price options.

Listed below are Philadelphia independent insurance agents that can possibly get you comparison quotes.

2026 S 12th StPhiladelphia, PA 19148(215) 465-9311View Map

231 St Asaphs Rd #100Bala Cynwyd, PA 19004(610) 617-7900View Map

7010 Elmwood AvePhiladelphia, PA 19142(215) 726-0270View Map

More Philadelphia agents

Exclusive Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training in insurance sales which aids in selling service over price.

Below is a list of exclusive agencies in Philadelphia who can help you get rate quotes.

326 S 19th St Ste 2Philadelphia, PA 19103(215) 772-0100View Map

2999 Welsh RdPhiladelphia, PA 19152(215) 338-3313View Map

1436 Fairmount AvePhiladelphia, PA 19130(215) 765-2686View Map

More Philadelphia agents

Choosing a car insurance agent requires you to look at more than just the bottom line cost. These are some questions you should get answers to.

It may be expensive, but it’s not optional

Despite the high cost, maintaining insurance serves several important purposes.

The benefits of buying enough insurance definitely exceed the cost, especially if you ever need it. But the average American driver is currently overpaying as much as $865 each year so compare quotes from several companies at every renewal to ensure rates are competitive.

Smart consumers save more

Some insurance companies don’t offer online quoting and these regional carriers work with independent agencies. Cheap Honda Insight insurance in Philadelphia is available both online as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

When searching for inexpensive Philadelphia car insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best cost.

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