2009 Honda Element Insurance Rates – 6 Tips for Best Quotes

Trying to find the cheapest insurance coverage rates for your Honda Element? Are you sick and tired of not being able to scrape enough together to pay insurance coverage each month? You are no different than many other consumers. Because there are so many companies to choose from, it can be diffult for drivers to choose a more affordable insurance coverage provider.

It’s a good habit to get comparison quotes yearly due to the fact that insurance rates are constantly changing. Even if you think you had the best rate on Element coverage a couple years back you will most likely find a better price today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the right way to find the best coverage while lowering your premiums.

The best way we recommend to get rate comparisons takes advantage of the fact most larger insurance companies allow for online access to provide you with a free rate quote. All consumers are required to do is give them rating details including how your vehicles are used, whether you are married, whether you have decent credit, and whether your vehicle is owned or leased. That rating information is instantly sent to multiple auto insurance providers and you receive quotes immediately.

To start a quote now, click here then complete the form.

Insurance discounts help cut rates

Insurance is easily one of your largest bills, but there could be available discounts to help bring down the price. Many of these discounts will be applied automatically at the time you complete a quote, but once in a while a discount must be requested specifically before they will apply. If they aren’t giving you every credit available, you could be getting lower rates.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Onboard Data Collection – Drivers who agree to allow data collection to monitor their driving habits remotely such as State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper because newer models have to meet stringent safety requirements.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you lower rates if you buy life insurance.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.

Don’t be surprised that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free insurance policy, that’s just not realistic.

Popular insurance companies and some of the discounts include:

  • State Farm may include discounts for driver’s education, safe vehicle, defensive driving training, anti-theft, good driver, Steer Clear safe driver discount, and accident-free.
  • Nationwide offers discounts for defensive driving, good student, Farm Bureau membership, accident-free, business or organization, family plan, and easy pay.
  • GEICO has discounts for military active duty, seat belt use, defensive driver, good student, anti-lock brakes, emergency military deployment, and air bags.
  • AAA includes discounts for pay-in-full, multi-car, anti-theft, good driver, education and occupation, and good student.
  • 21st Century may offer discounts for early bird, student driver, defensive driver, driver training, 55 and older, and homeowners.
  • The Hartford policyholders can earn discounts including anti-theft, air bag, good student, driver training, and vehicle fuel type.

When comparing rates, check with every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your area. To view insurers that provide some of the discounts listed above, follow this link.

Which is the best auto insurance?

When it comes to choosing coverage, there really is not a one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Does insurance cover damages from a DUI accident?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I afford low physical damage deductibles?
  • Is my nanny covered when driving my vehicle?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages explained

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, hitting a deer and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

This pays for damage to your Element caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Element.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for dental work, funeral costs and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Do the work, save more money

Budget-conscious 2009 Honda Element insurance is available from both online companies and from local agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and most of the time these small, regional companies provide coverage only through local independent agencies.

You just read many ideas to lower your 2009 Honda Element insurance rates. The key thing to remember is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the best rates are with the smaller companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

Additional information can be found at the links below