Find Affordable Honda Insight Insurance in San Diego

Insurance for Honda InsightWant to know how to find lower-priced Honda Insight insurance in San Diego? No one in their right mind rejoices having to buy auto insurance, especially knowing their premiums are too high.

Shocking but true, the vast majority of auto insurance customers kept buying from the same company for four years or more, and almost half have never even compared rates from other companies. Drivers in California could save about 35% a year by just comparing rate quotes, but most tend to underestimate the big savings they would realize if they switched to a cheaper policy. You have so many insurers to purchase coverage from, and even though it’s nice to have a selection, more choices can make it harder to adequately compare rates for Honda Insight insurance in San Diego.

It’s important to compare rates every six months because prices change quite often. Even if you think you had the best deal on Honda Insight insurance in San Diego a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to learn the right way to lower your rates without sacrificing coverage.

These discounts can cut Honda Insight insurance rates

Some providers do not list every policy discount very well, so the following is a list of both the well known as well as the least known discounts that may be available. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

A quick disclaimer, most credits do not apply to the whole policy. Most cut specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, you’re out of luck.

For a list of insurers that have a full spectrum of discounts in San Diego, click here.

How to buy Honda Insight insurance online

Finding low cost car insurance quotes is not a difficult process. Consumers just need to invest a few minutes comparing rate quotes from online providers.

Comparison shopping quotes online is easy and it makes it a waste of time to call or drive to insurance agencies in your area. The ability to quote Honda Insight insurance online has made agencies unnecessary unless you prefer the trained advice that can only be provided by a licensed insurance agent. Although, it is possible get the lowest quotes online but have your policy serviced through an agent.

The companies in the list below provide quotes in California. If multiple providers are shown, it’s highly recommended you visit two to three different companies to get the lowest price.

Honda Insight Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $284 $672 $500 $30 $150 $1,636 $136
Insight EX $308 $672 $596 $36 $178 $1,790 $149
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can impact price quotes considerably.

Higher deductibles lower rates

A question often asked by San Diego drivers is how high or low should comp and collision deductibles be. The comparisons below summarize the differences in premium rates between high and low comp and collision deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Honda Insight insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $332 $686 $442 $26 $132 $1,643 $137
Insight EX $380 $810 $442 $26 $132 $1,815 $151
Get Your Own Custom Quote Go

Honda Insight insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $184 $362 $442 $26 $132 $1,146 $96
Insight EX $210 $426 $442 $26 $132 $1,236 $103
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in specific location which can influence premium rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $44 more each month or $528 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Policy deductible comparison

The diagram below illustrates how your deductible choice and can increase or decrease Honda Insight insurance rates for each different age category. The premium estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.

Gender differences in auto insurance premiums

The chart below visualizes the comparison of Honda Insight auto insurance costs for male and female drivers. The rates are based on no claims or violations, comp and collision included, $500 deductibles, drivers are not married, and no additional discounts are factored in.

How Insurers Calculate Honda Insight Insurance Prices

It’s important that you understand the different types of things that play a part in calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that may reward you with better car insurance rates. Lots of things are taken into consideration when premium rates are determined. Some are pretty understandable like a motor vehicle report, but some are less obvious like where you live and annual miles driven.

Compare rates but work with a local neighborhood San Diego car insurance agent

Many people would rather get professional advice from a licensed agent and that is OK! Good insurance agents are very good at helping people manage risk and help you file claims. One of the best bonuses of price shopping on the web is the fact that drivers can get cheap car insurance rates and also buy local. Buying from and supporting neighborhood agents is important particularly in San Diego.

Insurance agents in San DiegoUpon completion of this simple form, your coverage information is instantly submitted to companies in San Diego who want to provide quotes and help you find cheaper coverage. You never need to even leave your home due to the fact that quote results will go to you directly. If you want to get a comparison quote for a specific company, just find their quoting web page and submit a quote form there.

If you’re trying to find a local agent, you must know there are a couple types of insurance agents that you can select. Car insurance agencies can be described as either exclusive agents or independent agents. Both types of agents can write policy coverage, but we need to point out the difference in how they write coverage because it may have an impact on which agent you choose.

Independent Agents

Independent agencies are not required to write business for one company so as a result can place your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and that require little work on your part.

If you are comparing car insurance prices, you absolutely need to get several quotes from several independent insurance agents to ensure the widest selection of prices.

The following is a list of independent insurance agencies in San Diego who can help you get comparison quotes.

4411 Mercury St #105bSan Diego, CA 92111(858) 565-6695View Map

5425 Oberlin Dr #201San Diego, CA 92121(619) 718-7578View Map

4619 Convoy St # CSan Diego, CA 92111(858) 569-0383View Map

View more San Diego agents

Exclusive Agents

Exclusive agencies can usually just insure with one company such as Allstate, Farmers Insurance or State Farm. These agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are well trained in insurance sales which helps them sell on service rather than price.

Below is a short list of exclusive agencies in San Diego willing to provide comparison quotes.

4325 Cass StSan Diego, CA 92109(858) 483-7171View Map

8680 Navajo Rd #214San Diego, CA 92119(619) 462-5701View Map

Rob Robinson – State Farm Insurance Agent
9939 Hibert St #203San Diego, CA 92131(619) 275-6000View Map

View more San Diego agents

Choosing the best auto insurance agent is decision based upon more than just the bottom line cost. The questions below may impact your decision as well.

After receiving reasonable responses to any questions you have as well as an affordable premium quote, you have narrowed it down to an auto insurance agent that can be trusted to service your policy.

Choosing the best vehicle insurance in California is an important decision

Despite the high insurance cost for a Honda Insight in San Diego, insuring your vehicle is not optional due to several reasons.

The benefits of insuring your car are definitely more than the cost, particularly if you ever have a claim. As of last year, the average driver in California is overpaying more than $800 each year so compare rates at least once a year to save money.

Lower rates by being persistent

Cheaper auto insurance in San Diego is definitely available on the web and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and most of the time these regional insurance providers work with independent insurance agencies.

We’ve covered a lot of tips how to compare Honda Insight insurance prices in San Diego. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable Honda Insight insurance quotes. You may even be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

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