Honda Insight Insurance Rates in Arlington

A recent auto insurance study discovered that about 70% of customers have purchased from the same company for more than four years, and approximately 38% of consumers have never shopped around. With the average premium in Texas being $2,679, drivers could save themselves about $1,770 a year by just comparing rate quotes, but they just don’t understand the big savings they would realize if they switched to a cheaper policy.

To save the most money, the best way to get low-cost car insurance rates in Arlington is to start doing an annual price comparison from different companies who provide car insurance in Texas. Price quotes can be compared by completing these steps.

• First, spend some time learning about how your policy works and the things you can control to lower rates. Many rating factors that are responsible for high rates like getting speeding tickets and an unacceptable credit history can be improved by making minor driving habit or lifestyle changes. Later in this article we will cover the details to help prevent expensive coverage and find more discounts that you may not know about.
• Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agents can quote prices for many different companies.
• Third, compare the new rates to your current policy to see if cheaper Insight coverage is available. If you can save some money and buy the policy, make sure there is no lapse in coverage.
• Fourth, notify your current company to cancel the current policy. Submit payment and a completed application to your new carrier. Once coverage is bound, store the certificate verifying proof of insurance somewhere easily accessible.

A good tip to remember is that you’ll want to make sure you compare identical limits and deductibles on each quote request and and to get rate quotes from as many companies as you can. Doing this guarantees an accurate price comparison and a complete price analysis.

All major auto insurance companies such as State Farm and Allstate give coverage price quotes on their websites. Getting Honda Insight insurance prices online doesn’t take much effort because you just enter your coverage preferences on the page. When the form is submitted, their rating system gets your driving and credit reports and provides a quote determined by many factors.

This makes comparing rates easy, and it’s very important to get many rate quotes if you are searching for the most affordable premium on auto insurance.

To quickly find out what other companies charge, compare rates from the companies below. If you have a policy now, it’s recommended you enter the limits and deductibles just like they are on your policy. This makes sure you will have an apples-to-apples comparison based on similar coverages.

The companies in the list below are ready to provide price quotes in Arlington, TX. If you want the best car insurance in Arlington, TX, it’s highly recommended you visit two to three different companies to get a more complete price comparison.

Car insurance policy discounts for Honda Insight insurance in Arlington

Some providers don’t always advertise all available discounts very clearly, so below is a list a few of the more well known as well as the least known savings tricks you should be using when you buy Arlington auto insurance online.

• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts as much as 30%.
• Resident Student – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
• Online Discount – A handful of car insurance companies give back up to $50 for buying your policy digitally online.
• Save with More Vehicles Insured – Drivers who insure multiple vehicles with the same car insurance company could earn a price break for each car.
• Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
• Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
• Anti-lock Brake System – Cars with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.

Policy discounts save money, but most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.

The illustration below shows the difference between Honda Insight insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.

Some of the larger companies that may offer policyholders these benefits include:

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

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts might not apply in every state.

Honda Insight detailed coverage information

The price information displayed below highlights detailed analysis of coverage prices for Honda Insight models. Being more informed about how policy rates are established can aid in making decisions on which insurance to purchase.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific location information which can raise or lower price quotes significantly.

Rate comparison for different deductibles

One frequently asked question is how high should the deductibles for physical damage be. The comparison tables below can help you understand the differences in premium rates when you buy lower versus higher coverage deductibles. The first table uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific Arlington garaging location which can impact insurance rates greatly.

Based on the above data, using a $250 deductible costs approximately $14 more each month or $168 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 18 months between claims, you would more than likely save some money by selecting a higher deductible.

The chart below shows how different deductible levels and can impact Honda Insight insurance costs for different categories of driver ages. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Annual premiums comparing men and women in Arlington

The chart below shows the comparison of Honda Insight auto insurance rates for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied.

When to talk to an agent

Certain consumers just prefer to buy from a local agent and that can be a smart move Good insurance agents are trained to spot inefficiencies and help you file claims. A good thing about getting online price quotes is that you can find lower rates but also keep your business local. Buying from neighborhood insurance agencies is important particularly in Arlington.

Once you complete this simple form, the coverage information gets sent to participating agents in Arlington who can give free rate quotes for your auto insurance coverage. You won’t need to do any legwork because prices are sent to you instantly. If you wish to quote rates from one company in particular, don’t hesitate to jump over to their website and submit a quote form there.

If you’re trying to find a good Arlington insurance agent, it’s important to understand the different types of agents from which to choose. Agencies in Arlington are classified as either independent agents or exclusive agents depending on their employer. Either one can provide auto insurance policies, but we need to point out the difference between them since it can affect which type of agent you select.

Independent Agents (or Brokers)

These type of agents are appointed with more than one company so they can insure your vehicles with an assortment of companies and find you cheaper rates. If premiums increase, your agent can just switch to a different company and you don’t have to do anything.

When shopping rates, you will definitely want to include price quotes from a couple of independent agencies in order to have the best price comparison. Many write coverage with companies that do not advertise much which may provide better rates.

Below are independent agents in Arlington that may be able to give price quotes.

• Aramex Insurance Agency
  1523 New York Ave – Arlington, TX 76010 – (800) 711-1418 – View Map
• Pickard Insurance Agency
  2221 W Arkansas #102 – Arlington, TX 76013 – (817) 460-0333 – View Map
• Kennedy Insurance
  820 E Park Row Dr – Arlington, TX 76010 – (817) 461-2907 – View Map

More insurance agents

Exclusive Insurance Agencies

Exclusive agencies can only write with one company such as State Farm, Allstate, or Farmers Insurance. They are unable to give you multiple price quotes so always compare other rates. Exclusive agents receive extensive training on their company’s products which helps them compete with independent agents. Some consumers prefer to use the same exclusive agent mostly because of loyalty to the company and the convenience of having all coverages with one company.

Shown below are Arlington exclusive insurance agents that can give you price quote information.

• Allstate Insurance: Michael Puzzuole
  2175 W Green Oaks Blvd – Arlington, TX 76013 – (817) 446-1522 – View Map
• Billy Rhodes – State Farm® Insurance Agent
  4621 S Cooper St #119 – Arlington, TX 76017 – (817) 557-1222 – View Map
• Randy McCoy – State Farm Insurance Agent
  1730 W Randol Mill Rd #160 – Arlington, TX 76012 – (817) 274-1324 – View Map

More insurance agents

Deciding on an auto insurance agent needs to be determined by more than just the quoted price. Get answers to these questions too.

• Is there any savings for paying the full premium?
• Do the agents have professional certifications like CPCU or CIC?
• Who is covered by the car insurance policy?
• What company holds the largest book of business for them?
• Are they in the agency full-time?
• Can glass repairs be made at your home?
• Does the agency provide any after hours assistance?
• Where are claims handled?

Do I just need basic coverages?

When selecting your policy for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply.
These are some specific questions might point out if you may require specific advice.

• Can I get by with minimal medical coverage if I have good health insurance?
• Should I put collision coverage on all my vehicles?
• If I use my vehicle for business use is it covered?
• Can I rate high risk drivers on liability-only vehicles?
• What exactly is covered by my policy?
• Do I need roadside assistance coverage?
• Is my custom stereo system covered?
• Is there a penalty for late payment?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

How do Insurance Companies Determine Honda Insight Insurance Prices?

Multiple criteria are part of the equation when premium rates are determined. A few of the factors are predictable like an MVR report, but other criteria are more transparent such as your credit history or how financially stable you are.

The list below includes some of the factors companies use to determine your rate level.

• The higher your credit rating the lower your premiums – Having a bad credit history is likely to be a major factor in your rate calculation. Drivers with good credit tend to be more responsible than those with worse credit. If your credit rating is not that good, you could pay less to insure your Honda Insight if you improve your credit rating.
• Costs impacted by your city – Residing in less populated areas has definite advantages when shopping for auto insurance. People in densely populated areas have traffic congestion and more time behind the wheel. Fewer drivers and short commutes translates into fewer accidents in addition to lower liability claims.
• What are good liability limits? – Liability insurance will afford coverage if ever you are found liable for an accident. Your liability coverage provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Save by driving cars with good safety ratings – Vehicles with high crash test scores can get you lower premiums. Vehicles engineered for safety result in less severe injuries and better occupant protection means less claims paid passed on to you as lower rates. If your Honda Insight has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
• Rates may be lower depending on your employer – Did you know your occupation can influence how much you pay for car insurance? Careers like military generals, architects, and medical professionals usually pay higher rates than the rest of us in part from high stress levels and long work days. On the flip side, careers like scientists, engineers and the unemployed generally pay rates lower than average.
• Being married equates to better prices – Getting married can get you a discount compared to being single. Marriage is viewed as being more financially stable and insurance companies like that drivers who are married file infrequent claims.

• Vehicle risk impacts costs – The performance level of the vehicle you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. The lowest rates are usually for the lowest performance passenger vehicles, but your final cost has many other factors.

  The next chart uses these assumptions: married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Honda Insight insurance rates compared to other models that have a range of performance risks.

Buying the right vehicle insurance in Texas is an important decision

Even though Arlington Insight insurance rates can get expensive, buying car insurance may be required and benefits you in several ways.

• Just about all states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Honda, most banks will force you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Honda at a much higher rate and require you to fork over much more than you were paying before.
• Car insurance preserves your vehicle and your assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage will also pay for a defense attorney in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying car insurance definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in Texas is wasting up to $820 a year so we recommend shopping around at least once a year to make sure the price is not too high.

How to find a good Arlington auto insurance company

Ending up with the best insurer can be difficult considering how many companies sell insurance in Texas. The company ratings listed below may help you analyze which insurers to look at to insure your vehicles.

Top 10 Arlington Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Top 10 Arlington Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Persistent drivers can save

In this article, we covered many ideas to find lower-cost Honda Insight insurance in Arlington. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may even discover the best price on insurance is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Budget-friendly insurance in Arlington is definitely available from both online companies as well as from independent agents in Arlington, so you need to quote Arlington auto insurance with both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies work with independent agents.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.

More information

• Collision Insurance Coverage (Nationwide)
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• How do I File a Claim? (Insurance Information Institute)
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