2017 Honda Clarity Car Insurance Cost in 2024

Did you make the mistake of buying an underperforming, overpriced auto insurance policy? Trust us, many drivers feel the same as you. Since consumers have many companies to choose from, it can be impossible to choose a lower cost auto insurance company.

You should make it a habit to shop coverage around yearly because insurance rates change quite often. Just because you found the best rate on Clarity coverage a couple years back there may be better deals available now. Forget all the misinformation about auto insurance because we’re going to demonstrate the quickest way to find great coverage at a great price.

How to get free insurance quotes online

Finding cheap 2017 Honda Clarity insurance rates is not a difficult process. The only thing you need to do is take the time getting comparison quotes from online providers. Insurance prices can be quoted using a couple different methods.

If you are pressed for time, the simplest way to compare a lot of rates at once is an all-inclusive rate comparison. This easy form keeps you from doing repetitive form entry for each company you want a rate for. Just one form gets coverage cost estimates direct from many companies.

A different way to get comparison quotes is to take the time to go to each company’s website to complete a price quote. For example, let’s say you want comparison quotes from State Farm, Safeco and Farmers. You would be required to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

How you compare quotes is your choice, just be sure you’re using equivalent coverage limits for each comparison quote. If you have different data it’s not possible to determine the lowest rate for your Honda Clarity.

Save $445 a year? Really?

Consumers can’t get away from ads that promise big savings from companies such as Allstate, GEICO and Progressive. They all convey the message that drivers will save a bundle just by moving your policy.

But how can every company say the same thing? This is the way they can do it.

Different companies have a certain “appetite” for the right customer that will generate a profit. For instance, a profitable risk profile may be over the age of 40, has no prior claims, and has a high credit rating. Any customer who matches those parameters will get the preferred rates and as a result will probably save when they switch companies.

People who don’t measure up to this stringent profile may be forced to pay higher premium rates which results in the driver buying from a lower-cost company. The trick companies use is to say “people who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently advertise the way they do.

That is why you really should get price quotes at each policy renewal. You cannot predict which company will have the best rates for your profile.

Cheaper rates by taking advantage of discounts

Some providers don’t list every possible discount very well, so the list below details both well-publicized as well as the least known discounts that you may qualify for.

• Multi-car Discount – Buying insurance for primary and secondary vehicles on one policy may reduce the rate for each vehicle.
• Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
• Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
• ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
• Safe Driver Discounts – Insureds who avoid accidents can pay as much as 50% less on Clarity coverage than drivers with accidents.
• Homeowners Pay Less – Just being a homeowner can get you a discount because of the fact that having a home is proof of financial responsibility.
• Senior Citizens – Seniors may qualify for reduced rates on Clarity coverage.
• Government Employee Discount – Federal government employees could qualify for a slight premium decrease on Clarity coverage with some car insurance companies.
• Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
• Discount for Good Grades – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.

Drivers should understand that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, it doesn’t quite work that way.

Large car insurance companies and their offered discounts are outlined below.

• 21st Century may offer discounts for student driver, defensive driver, air bags, good student, teen driver, and homeowners.
• Progressive includes discounts for online signing, multi-policy, continuous coverage, homeowner, and online quote discount.
• State Farm offers discounts for defensive driving training, anti-theft, accident-free, passive restraint, driver’s education, Drive Safe & Save, and multiple policy.
• Nationwide may have discounts that include multi-policy, business or organization, accident-free, anti-theft, family plan, and easy pay.
• Esurance may include discounts for safety device, good driver, homeowner, online shopper, emergency road assistance, renters, and anti-theft.
• The Hartford offers premium reductions for bundle, anti-theft, driver training, air bag, defensive driver, vehicle fuel type, and good student.

Before you buy a policy, ask every insurance company what discounts are available to you. Some discounts might not apply everywhere. If you would like to see a list of car insurance companies that provide some of the discounts listed above, enter your zip code here.

How much car insurance do I need?

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help highlight whether your personal situation will benefit from professional help.

• Where can I find DUI or SR-22 insurance?
• What is the rate difference between pleasure use and commuting?
• Should I drop comprehensive coverage on older vehicles?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What if I don’t agree with a claim settlement offer?
• Is Motor Club coverage worth it?
• Does insurance cover tools stolen from my truck?
• If my pet gets injured in an accident are they covered?
• Will my rates increase for filing one claim?
• What is the ISO rating for a 2017 Honda Clarity?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and can help protect your family.

Coverages available on your car insurance policy

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Liability coverage

Liability insurance protects you from damage that occurs to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as attorney fees, loss of income, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, hitting a bird, damage from getting keyed and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda Clarity.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liability limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, doctor visits and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, damaging your car on a curb, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Save your hard earned cash

We just presented some good ideas how you can reduce 2017 Honda Clarity insurance rates online. The most important thing to understand is the more you quote car insurance, the higher the chance of saving money. You may be surprised to find that the best rates are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to regret that it was a big error on their part. Your goal is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.