2010 Honda Element Insurance Rates in 2024

Looking for cheaper car insurance rates for your Honda Element? Finding cheaper insurance for a Honda Element can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to shop for car insurance and we’ll show you the best way to quote coverages for your Honda and get the lowest price either online or from local insurance agents.

It’s important to compare rates at least once a year due to the fact that insurance prices are rarely the same from one policy term to another. Just because you found the best deal for Element coverage two years ago a different company probably has better rate quotes today. You’ll find a ton of advice on car insurance on the internet, but in this article, you’re going to get the easiest ways to slash your car insurance rates.

The fastest way that we advise to get policy rate comparisons is to realize most of the larger companies participate in online systems to provide you with free rate quotes. To begin a comparison, all you need to do is take a few minutes to give details like how much school you completed, what you do for a living, the year, make and model of vehicles, and whether your vehicle is owned or leased. The rating information is then submitted to multiple companies and you receive quotes instantly.

Take advantage of every car insurance discount

Some insurers don’t always advertise all possible discounts very well, so the following is a list of a few of the more common in addition to some of the lesser obvious credits available to you.

• Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
• New Vehicle Savings – Buying insurance coverage on a new vehicle is cheaper since newer vehicles are generally safer.
• Auto/Home Discount – If you insure your home and vehicles with the same company they may give you a discount of 10% to 20% off each policy.
• Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you could save up to 5%.
• Driver Safety – Passing a course teaching safe driver skills could possibly earn you a 5% discount if you qualify.
• Discount for Low Mileage – Low annual miles can earn lower premium rates on the low mileage vehicles.
• Driver’s Ed – Teen drivers should complete a driver education course if offered at their school.
• Multiple Cars – Purchasing coverage when you have multiple cars with one company can get a discount for every vehicle.
• Sign Online – Some insurance companies will give a small break just for signing your application on their website.
• Data Collection Discounts – Insureds that choose to allow data collection to analyze driving patterns by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they have good driving habits.

A quick disclaimer, most discount credits are not given to the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

The best car insurance companies and a summarized list of policyholder discounts are detailed below.

• American Family has discounts for multi-vehicle, accident-free, mySafetyValet, air bags, and early bird.
• State Farm offers discounts for anti-theft, safe vehicle, defensive driving training, student away at school, and Drive Safe & Save.
• 21st Century offers premium reductions for teen driver, air bags, 55 and older, defensive driver, anti-lock brakes, and early bird.
• Travelers may have discounts that include save driver, new car, driver training, good student, and payment discounts.
• GEICO may include discounts for federal employee, seat belt use, anti-theft, emergency military deployment, multi-policy, and anti-lock brakes.

When comparing rates, check with all the companies to apply every possible discount. Some discounts may not apply in your state. To find insurers with significant discounts, enter your zip code here.

How to know if you need help

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your situation could use an agent’s help.

• Does coverage extend to Mexico or Canada?
• Am I covered if I break a side mirror?
• Are my friends covered when driving my 2010 Honda Element?
• When would I need rental car insurance?
• When does my teenage driver need to be added to my policy?
• Is my 2010 Honda Element covered for flood damage?
• Should I get collision insurance on every vehicle?
• Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and can provide invaluable advice.

Car insurance coverage considerations

Learning about specific coverages of car insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, rock chips in glass and a broken windshield. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance will pay to fix damage to your Element caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, driving through your garage door, crashing into a building, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Honda Element.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like medical expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, X-ray expenses, surgery and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage