Car Insurance Quotes for a Honda Insight in Oakland

Want to save money and find the cheapest Honda Insight insurance in Oakland? Did a good deal turn out to be an expensive insurance policy? Believe me, there are many Oakland consumers feeling the pinch from expensive insurance.

Insurance quote for Honda Insight in OaklandSmart shoppers know that auto insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop around for better prices will, in all likelihood, switch to a new company because there is a great chance of finding better rates. A recent survey found that consumers who make a habit of shopping around saved as much as $3,450 over four years compared to policyholders who never shopped for cheaper rates.

If finding low prices for Honda Insight insurance in Oakland is your ultimate target, then knowing how to get rate quotes and compare auto insurance can make it easier for you to save money.

Steps to finding discount Honda Insight insurance in Oakland

Truthfully, the best way to get affordable Honda Insight insurance is to begin comparing prices regularly from companies in Oakland. You can compare rates by following these steps.

The key aspect of shopping around is that you use the same level of coverage on each quote request and to quote with as many different insurance providers as possible. This ensures a fair price comparison and a thorough selection of prices.

Companies like State Farm and GEICO constantly bombard you with ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

Insurance Cost Influencing Factors

Many things are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but others are not quite as obvious such as your marital status and annual miles driven. Smart consumers have a good feel for some of the factors that are used to determine the price you pay for car insurance. When consumers understand what controls the rates you pay, this allows you to make good choices that will entitle you to much lower annual insurance costs.

Listed below are most of the major factors that factor into your prices.

Statistics and details

The price information displayed below covers estimates of insurance policy prices for Honda Insight models. Being able to understand how car insurance prices are calculated is important for drivers to make smart choices when purchasing an auto insurance policy.

Honda Insight Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $322 $672 $450 $26 $134 $1,604 $134
Insight EX $368 $792 $450 $26 $134 $1,770 $148
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in vehicle garaging location which can change rates greatly.

The chart below shows how choosing a deductible and can influence Honda Insight annual premium costs for each age group. Data assumes a married female driver, comp and collision included, and no discounts are factored in.

Cheaper rates by getting discounts

Auto insurance companies don’t always list all their discounts very clearly, so the list below contains a few of the more common and the harder-to-find credits available to you.Cheaper auto insurance with discounts

Drivers should understand that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount should help lower your policy premiums.

The chart below illustrates the comparison of Honda Insight insurance premiums with and without policy discounts. The rates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.

Some companies who may offer some of the above discounts possibly include:

Before you buy a policy, ask each company which credits you are entitled to. Some discounts listed above may not apply to policyholders in Oakland. To find insurance companies with the best Honda Insight insurance discounts in California, click here to view.

Be persistent and save

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed liability coverage limits only to regret they didn’t have enough coverage. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

We covered some good ideas how to find affordable Honda Insight insurance in Oakland. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding cheaper Oakland auto insurance quotes. Drivers may even discover the biggest savings come from a lesser-known regional company. Some small companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate or State Farm.

Steps to finding better rates for Honda Insight insurance in Oakland

The preferred way to get low-cost car insurance rates is to start doing a yearly price comparison from companies in Oakland. You can shop around by completing these steps.

  1. Try to learn a little about how insurance companies determine prices and the steps you can take to prevent rate increases. Many factors that cause rate increases like at-fault accidents, speeding tickets, and a less-than-favorable credit rating can be rectified by being financially responsible and driving safely.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO and State Farm, while independent agencies can provide prices for a wide range of insurance providers. Compare rates
  3. Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you can save some money, make sure coverage does not lapse between policies.
  4. Provide notification to your current company of your decision to cancel your current car insurance policy and submit the completed application along with a down payment for your new policy. As soon as you can, store the certificate of insurance in an easily accessible location.

The most important part of shopping around is to try to compare the same deductibles and limits on every quote request and to quote with every company you can. This guarantees a level playing field and a thorough selection of prices.

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