Best Insurance for a Honda Insight in Cleveland

Have you finally had enough of being strong-armed to keep your car insured? You have the same problem as millions of other consumers.

It’s amazing but the vast majority of consumers have been with the same company for four years or more, and nearly half have never even compared quotes to find lower-cost rates. Cleveland drivers can save nearly $729 each year by just shopping around, but most undervalue the amount of money they would save if they replace their high priced policy.

Steps to finding lower priced Honda Insight insurance in Cleveland

If your goal is the lowest price, then the best way to get discount auto insurance rates in Cleveland is to start comparing prices yearly from providers that sell auto insurance in Ohio. Drivers can shop around by following these guidelines.

1. Read and learn about individual coverages and the factors you can control to keep rates down. Many policy risk factors that cause rate increases such as traffic violations and a substandard credit history can be eliminated by paying attention to minor details. This article gives tips to prevent high prices and get additional discounts.
2. Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while agents who are independent can provide prices from multiple insurance companies.
3. Compare the price quotes to your existing coverage to see if cheaper Insight coverage is available. If you find better rates and change companies, make sure coverage does not lapse between policies.
4. Give notification to your current company of your intent to cancel your current auto insurance policy. Submit a down payment along with a signed application to the new company. As soon as you receive it, place the new certificate of insurance with the vehicle registration.

A good piece of advice is to use identical deductibles and limits on each quote request and and to get rates from as many car insurance companies as possible. Doing this provides a level playing field and a good representation of prices.

Consumers have so many insurance companies to pick from, and even though it’s nice to have multiple companies, having more insurance companies makes it harder to locate the cheapest rates for Honda Insight insurance in Cleveland.

Companies offering Honda Insight insurance in Cleveland

The companies shown below are ready to provide price comparisons in Cleveland, OH. If you want the cheapest car insurance in Cleveland, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Premium rates and analysis

The table shown below covers detailed analysis of insurance coverage prices for Honda Insight models. Learning more about how insurance quotes are formulated can help customers make smart choices when buying a car insurance policy.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in specific location information which can influence rates greatly.

Rate comparison for different deductibles

When buying car insurance, a common question is how high should the deductibles for physical damage be. The comparisons below show how much more rates are when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Table data does not factor in vehicle garaging location which can increase or decrease premiums noticeably.

We can estimate from the data above that using a $250 deductible would cost the average driver about $17 more each month or $204 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 44 months between claims, you would come out ahead if you elect the higher deductible. The numbers below show how this decision is made.

Cheap Cleveland car insurance rates with discounts

Companies offering auto insurance don’t always advertise every discount very well, so the following list contains both the well known and also the more inconspicuous ways to save on car insurance. If you are not receiving all the discounts available, you could be saving more on your car insurance.

• Discounts for New Vehicles – Insuring a new Insight may earn a small discount because newer models keep occupants safer.
• Accident Waiver – Not really a discount, but some companies like Progressive, Allstate, and Liberty Mutual will forgive one accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
• ABS Brakes – Cars and trucks with anti-lock braking systems are safer to drive and the ABS can save up to 10%.
• Driver Safety – Taking time to complete a defensive driving course could cut 5% off your bill depending on where you live.
• Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.
• More Vehicles More Savings – Buying insurance for more than one vehicle with one company could earn a price break for each car.

Don’t be surprised that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.

The illustration below illustrates the comparison of Honda Insight auto insurance rates with and without discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, multi-car, and marriage discounts applied.

Insurance companies that may include these benefits are:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

When getting a coverage quote, ask all the companies the best way to save money. Discounts may not be available in Cleveland. For a list of insurance companies with discount rates in Cleveland, click here to view.

How to know if you need help

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your situation is unique.

For example, these questions may help you determine if your situation will benefit from professional help.

• Which companies are cheaper for teen drivers?
• Will I lose any money if I cancel my policy before it expires?
• Should I buy more coverage than the required Ohio minimum liability coverage?
• Do I have coverage if my license is suspended?
• Will filing a claim cost me more?
• What is roadside assistance coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Do I need an insurance agency?

Some consumers just prefer to buy from a local agent and that is not a bad decision Experienced insurance agents can point out coverage gaps and will help you if you have claims. One of the best bonuses of comparing insurance online is the fact that you can find cheaper car insurance rates and also buy local. Buying from local insurance agents is important especially in Cleveland.

To make it easy to find an agent, after completing this short form, your information is instantly submitted to companies in Cleveland who want to provide quotes to get your business. You won’t need to search for any insurance agencies since price quotes are sent to you. If for some reason you want to get a rate quote for a specific company, you can always go to their quote page and fill out the quote form the provide.

Do you need an independent or exclusive auto insurance agent?

If you are wanting to purchase insurance from a reputable insurance agent or broker, you should know the types of insurance agents and how they differ in how they quote coverages. Insurance agencies can be described as either independent agents or exclusive agents. Either one can provide insurance policies, but it is a good idea to know how they differ because it can factor into the type of agent you choose.

Independent Insurance Agencies or Brokers

Independent insurance agents do not have single company limitations and that enables them to quote your coverage through lots of different companies and find you cheaper rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to switch agencies. When comparison shopping, you need to get quotes from at least one independent agent to ensure the widest selection of prices.

The following are independent insurance agents in Cleveland that can give you free rate quotes.

View more Cleveland agents

Exclusive Insurance Agencies

Agents that elect to be exclusive generally can only insure with one company like Farmers Insurance, Allstate, or State Farm. These agents are not able to place coverage with different providers so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on sales techniques and that allows them to sell at a higher price point.

Shown below is a list of exclusive agencies in Cleveland that can give you rate quotes.

View more Cleveland agents

Picking the best auto insurance agent should include more criteria than just the price. Here are some questions you might want to ask.

• How much will you save each year by using a higher deductible?
• Are they properly licensed to sell insurance in Ohio?
• Are there any extra charges for paying monthly?
• Can you get a list of referrals?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• If your car is totaled, how to they determine the replacement cost?
• What discounts might you be missing?

One last note

As you quote Cleveland auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

Throughout this article, we presented a lot of ways to reduce Honda Insight insurance rates online in Cleveland. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest rates are with a smaller regional carrier.

Budget-conscious Honda Insight insurance can be purchased from both online companies in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide rates over the internet and usually these small insurance companies only sell coverage through independent insurance agents.

How to quote cheaper Honda Insight insurance in Cleveland

If you want to save the most money, the best way to find cheaper quotes for auto insurance rates in Cleveland is to compare prices regularly from companies in Ohio. Drivers can shop around by following these guidelines.

1. Try to comprehend the different coverages in a policy and the modifications you can make to keep rates low. Many factors that cause rate increases like at-fault accidents, careless driving, and a low credit rating can be remedied by making small lifestyle or driving habit changes.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can provide prices for a wide range of insurance providers. Begin your rate comparison
3. Compare the quotes to your existing rates and determine if cheaper Insight coverage is available. If you find a better price and decide to switch, make sure coverage does not lapse between policies.
4. Provide notification to your current agent or company of your decision to cancel your current coverage. Submit payment along with a signed and completed policy application for your new coverage. Once the application is submitted, keep your new proof of insurance paperwork with the vehicle registration.

One tip to remember is to try to use the same physical damage deductibles and liability limits on every price quote and and to compare as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and many rates to choose from.

For more information, link through to the resources below:

• Understanding your Policy (NAIC.org)
• Who Has Affordable Cleveland Auto Insurance for a Nissan Rogue? (FAQ)
• What Insurance is Cheapest for Real Estate Agents in Cleveland? (FAQ)
• Who Has the Cheapest Cleveland Car Insurance for Government Employees? (FAQ)
• Who Has the Cheapest Auto Insurance Rates After a Speeding Ticket in Cleveland? (FAQ)
• How Much are Cleveland Car Insurance Quotes for a Nissan Altima? (FAQ)
• Who Has Affordable Auto Insurance for Veterans in Cleveland? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Information for Teen Drivers (GEICO)
• Distracted Driving Extends Beyond Texting (State Farm)