Cheap Rates for Honda Insight Insurance in Plano

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Insurance rates Honda Insight in PlanoWould you like to stop overpaying and find the cheapest car insurance rates in Plano, TX? Plano consumers have many options when looking for low-cost Honda Insight insurance. You can either waste hours contacting agents to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to shop for car insurance so you're going to learn the quickest way to quote coverages on a Honda and obtain the cheapest rates from both online companies and Plano agents.

Cutting your Plano car insurance rates is not a difficult process. All you need to do is take a few minutes comparing rate quotes online from several insurance companies.

The companies in the list below provide price comparisons in Texas. If your goal is to find cheap auto insurance in Plano, we recommend you visit as many as you can to get the best price comparison.

Honda Insight detailed coverage information

The rate information below highlights a range of policy rates for Honda Insight models. Being aware of how insurance policy rates are calculated helps drivers make decisions when shopping around.

Honda Insight Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $260 $544 $392 $24 $118 $1,338 $112
Insight EX $298 $642 $392 $24 $118 $1,474 $123
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in Plano location which can alter premiums considerably.

Raise deductibles and save

The hardest decision when buying coverage is at what level do you set your deductibles. The tables below may help to conceptualize the price difference when you buy lower versus higher coverage deductibles. The first rate comparisons uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Honda Insight insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $256 $496 $382 $22 $114 $1,295 $108
Insight EX $294 $584 $382 $22 $114 $1,421 $118
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Honda Insight insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $158 $312 $382 $22 $114 $988 $82
Insight EX $182 $368 $382 $22 $114 $1,068 $89
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in vehicle garaging location which can decrease or increase prices greatly.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $27 more each month or $324 a year than requesting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 28 months between claim filings, you would save money by selecting a higher deductible.

Decisions You Make Can Impact Your Insurance Rates

Consumers need to have an understanding of the factors that are used to determine the rates you pay for car insurance. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can help you get lower rates. Many factors are used in the calculation when premium rates are determined. A few of the factors are predictable like your driving record, but other factors are more transparent such as your marital status and annual miles driven.

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

  • Cut rates and deter theft - Selecting a car model with a theft deterrent system can help lower your premiums. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.
  • Get hitched and pay lower premiums - Being married may cut your premiums when buying car insurance. Having a spouse translates into being less irresponsible and it's statistically proven that married drivers get in fewer accidents.
  • Tickets hurt - Drivers with clean records receive lower rates compared to bad drivers. Getting just one driving citation could increase your next policy renewal twenty percent or more. Drivers with severe violations such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with their state's department of motor vehicles in order to prevent a license revocation.

    The example below illustrates how violations and fender-benders can affect Honda Insight car insurance rates for different age groups. The rates are based on a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

  • More policies can equal more savings - Some companies apply lower prices to clients that have more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to compare other Plano Insight insurance rates to help ensure you have the lowest rates.
  • Stay claim-free and reduce car insurance rates - Insurance companies in Texas provide better rates to people who only file infrequent claims. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is intended for major claims that would cause financial hardship.

Insurance just makes sense

Even though it can be expensive, insuring your vehicle serves several important purposes.

  • The majority of states have minimum liability requirements which means state laws require specific limits of liability insurance coverage if you want to drive 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 Insight, most lenders will require you to buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Honda at a significantly higher premium and force you to pay the higher premium.
  • Insurance protects not only your car but also your assets. It will also pay for medical transport and hospital expenses incurred in an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance outweigh the cost, especially for larger claims. The average driver in Texas is overpaying more than $750 every year so it's very important to do a rate comparison every year to make sure the price is not too high.

Best car insurance in Texas

Finding the highest-rated insurance company can be difficult considering how many different companies there are to choose from in Texas. The information below may help you analyze which car insurance companies to look at shopping your coverage with.

Best Car Insurance Companies in Plano
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies