It goes without saying that auto insurance companies want to keep you from comparing rates. People who compare other prices will presumably switch companies because there is a significant possibility of finding a more affordable policy premium. A recent survey found that drivers who routinely compared quotes saved as much as $860 a year compared to other drivers who never shopped around for lower prices.
If finding budget-friendly car insurance in Stockton is your target objective, understanding how to shop for insurance rates can make it easier to shop your coverage around.
Really, the only way to get more affordable Honda Insight insurance is to regularly compare price quotes from different companies who can sell car insurance in Stockton. You can shop around by completing these steps.
- First, spend a few minutes and learn about what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many risk factors that are responsible for high rates like accidents, traffic violations, and an unacceptable credit rating can be remedied by making lifestyle changes or driving safer.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Allstate, while agents who are independent can quote prices for a wide range of insurance providers. Compare rates
- Third, compare the price quotes to your current policy premium and determine if cheaper Insight coverage is available. If you find a better price and make a switch, make sure coverage does not lapse between policies.
One thing to remember is to make sure you enter similar deductibles and liability limits on each price quote and and to get price quotes from all possible companies. Doing this provides the most accurate price comparison and maximum price selection.
Verify you’re receiving every discount
Auto insurance companies don’t always advertise every policy discount very clearly, so here is a list some of the best known and the more hidden credits available to bring down your rates.
- Organization Discounts – Participating in a civic or occupational organization in Stockton could qualify you for a break when getting a Stockton car insurance quote.
- College Student Discount – College-age children who attend college more than 100 miles from Stockton and do not take a car to college can receive lower rates.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy some life insurance in addition to your auto policy.
- Driver Safety – Passing a course teaching safe driver skills could possibly earn you a 5% discount and make you a better driver.
- Anti-lock Brakes – Cars that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
- Active Service Discounts – Having an actively deployed family member could qualify you for better rates.
- Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% as compared to drivers with claims.
A quick disclaimer, some credits don’t apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.
The illustration below visualizes the comparison of Honda Insight insurance prices with and without policy discounts. The premiums assume a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, safe-driver, and multi-car discounts applied.
The best car insurance companies and a summarized list of policyholder discounts include:
- Farm Bureau offers discounts for driver training, renewal discount, multi-vehicle, 55 and retired, and good student.
- Liberty Mutual may include discounts for new graduate, exclusive group savings, new move discount, good student, newly retired, and multi-car.
- State Farm offers discounts including passive restraint, Drive Safe & Save, multiple autos, Steer Clear safe driver discount, and driver’s education.
- Auto-Owners Insurance has discounts for safe vehicle, good student, paperless, mature driver, and multi-policy.
- GEICO includes discounts for federal employee, emergency military deployment, multi-vehicle, anti-lock brakes, and membership and employees.
- SAFECO may have discounts that include teen safety rewards, accident prevention training, anti-theft, safe driver, anti-lock brakes, and teen safe driver.
Before you buy a policy, ask each company to apply every possible discount. Some discounts might not apply everywhere. To find car insurance companies who offer free Honda Insight insurance quotes in California, click here to view.
Most larger insurance companies such as Progressive, Allstate and GEICO provide coverage price quotes online. Getting online quotes for Honda Insight insurance in Stockton doesn’t take much effort as you simply type in your coverage preferences into the form. Once you submit the form, the company’s rating system orders your credit score and driving record and gives you a price quote based on these factors.
Being able to quote online for Honda Insight insurance in Stockton makes comparing rates easy, and it’s also necessary to do this in order to find affordable prices.
If you want to compare pricing, compare rates from the companies below. If you currently have coverage, we recommend you copy the coverages just like they are on your policy. Doing this assures you will be getting a rate comparison for exact coverage.
The companies in the list below have been selected to offer quotes in Stockton, CA. If multiple companies are listed, we recommend you visit several of them in order to find the most affordable rates.
Honda Insight insurance coverage information
The premium table displayed below showcases estimates of insurance prices for Honda Insight models. Being able to understand how insurance quotes are figured can assist in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Insight LX | $286 | $650 | $574 | $34 | $172 | $1,716 | $143 |
| Insight EX | $328 | $766 | $574 | $34 | $172 | $1,874 | $156 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific Stockton garaging location which can increase or decrease insurance rates noticeably.
Physical damage deductible comparison
One of the hardest decisions when shopping for insurance is which deductible level should you buy. The tables below can help you visualize the rate difference between low and high insurance deductibles. The first price estimate table uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| 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 | |||||||
| 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 | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Estimates do not factor in vehicle garaging location which can decrease or increase auto insurance rates noticeably.
We can estimate from the data above that using a $100 deductible will cost you about $44 more each month or $528 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 20 months between claim filings, you would more than likely save some money if you elect the higher deductible.
Honda Insight liability-only versus full coverage
The chart below visualizes the comparison of Honda Insight auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no claims or violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.
When to stop paying for full coverage
There is no written rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Honda Insight replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after you pay the deductible. If premium cost is more than $600 a year to have full coverage, then it might be time to buy liability only.
There are some circumstances where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.
When should I get advice from a local insurance agent?
Certain consumers would prefer to visit with an insurance agent and often times that is recommended Professional insurance agents can help you build your policy and help you file claims. A nice benefit of comparing rate quotes online is the fact that drivers can get lower auto insurance rates and also buy local. And buying from local agencies is still important in Stockton.
After filling out this simple form, your insurance coverage information is transmitted to local insurance agents who can give free rate quotes for your coverage. You don’t have to even leave your home because quoted prices will be sent directly to you. If you need to compare prices from one company in particular, feel free to go to their quote page and fill out their quote form.
Below are agents in Stockton that can give you comparison quotes for Honda Insight insurance in Stockton.
- Jim Molina – State Farm Insurance Agent
7273 Murray Dr #7 – Stockton, CA 95210 – (209) 473-0516 – View Map - Mark Berbower Insurance Agency
2 W Swain Rd – Stockton, CA 95207 – (209) 405-1088 – View Map - Big Savings Insurance Agency, Inc
7153 Pacific Ave – Stockton, CA 95207 – (209) 956-2000 – View Map - Stockton Insurance Services
1407 E Miner Ave – Stockton, CA 95205 – (209) 941-4444 – View Map
Picking an insurer requires you to look at more than just the price. Here are some questions you might want to ask.
- Are they giving you every discount you deserve?
- Is auto insurance their primary focus in Stockton?
- Are they in the agency full-time?
- Are there any extra charges for paying monthly?
- Are all drivers listed on the coverage quote?
- Is there a 24/7 contact number?
- Which company do they place the most coverage with?
- In the event of vehicle damage, can you pick the collision repair facility?
If you get satisfactory answers to any questions you have and an affordable coverage quote, it’s a good possibility that you have found an insurer that can properly insure your vehicles.
Quote more to save more
Cheaper auto insurance in Stockton can be bought from both online companies as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online rate quotes and these regional carriers prefer to sell through independent agents.
Insureds who switch companies do it for many reasons like being labeled a high risk driver, policy non-renewal, poor customer service and delays in responding to claim requests. Whatever your reason, finding a great new company is less work than it seems.
We just showed you a lot of techniques to save on Honda Insight insurance in Stockton. The key thing to remember is the more you quote Stockton car insurance, the better your comparison will be. Consumers may even find the best price on auto insurance is with some of the lesser-known companies.
More information
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- What Insurance is Cheapest for a 20 Year Old Male in Stockton? (FAQ)
- Who Has Cheap Car Insurance Rates for 16 Year Olds in Stockton? (FAQ)
- How Much are Auto Insurance Rates for High Risk Drivers in Stockton? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Speed and Speed Limit FAQ (iihs.org)