View 2018 Honda Clarity Insurance Quotes in 2024

Searching for lower auto insurance rates for your Honda Clarity? Are you intimidated by the number of auto insurance companies? Many other drivers are as well. Consumers have such a large number of options that it can easily turn into a big hassle to find lower prices.

Lower rate quotes with these insurance coverage discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so the following is a list of some of the best known and also the more inconspicuous credits available to you. If you do not check that you are getting every discount you deserve, you are paying more than you should be.

• Multiple Policy Discount – If you have multiple policies and insure them with the same company you could save as much as 10 to 15 percent.
• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out a life insurance policy as well.
• Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.
• Military Deployment Discount – Having a family member in the military could trigger a small discount.
• Discounts for Multiple Vehicles – Insuring more than one vehicle with one company can reduce the rates for all insured vehicles.
• Low Mileage – Fewer annual miles on your Honda can qualify you for discounted premium rates on garaged vehicles.
• Discount for Passive Restraints – Options like air bags may qualify for discounts of up to 25% or more.
• Discounts for Safe Drivers – Accident-free drivers may receive a discount up to 45% for Clarity coverage compared to accident prone drivers.

A quick disclaimer, most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, that’s just not realistic. But all discounts should definitely cut the cost of coverage.

Popular insurance coverage companies and a summarized list of policyholder discounts include:

• Esurance may have discounts that include online shopper, good student, anti-theft, good driver, and paid-in-full.
• The Hartford includes discounts for good student, defensive driver, vehicle fuel type, air bag, and anti-theft.
• AAA offers discounts including good driver, multi-policy, education and occupation, good student, AAA membership discount, and multi-car.
• GEICO offers premium reductions for multi-vehicle, daytime running lights, driver training, emergency military deployment, and anti-lock brakes.
• State Farm has savings for driver’s education, Steer Clear safe driver discount, defensive driving training, good driver, multiple policy, and multiple autos.

Before you buy a policy, ask all the companies which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area. To find insurers with discount rates, enter your zip code here.

The best way we recommend to compare rates is to understand auto insurance companies pay for the opportunity to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information like your occupation, if a SR-22 is needed, if you have a valid license, and how old drivers are. Those rating factors gets sent immediately to insurance companies and you should receive rate quotes with very little delay.

To check rates for your 2018 Honda Clarity now, click here and complete the form.

What affects Honda Clarity insurance prices?

Consumers need to have an understanding of some of the things that aid in calculating the level of your policy premiums. If you understand what controls the rates you pay, this enables you to make decisions that may result in cheaper rates. Multiple criteria are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving record, although some other factors are less apparent such as your marital status or how safe your car is.

Shown below are some of the items companies use to determine rates.

• Stay claim-free and reduce rates – Insurance companies provide the best rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of more catestrophic claims.
• Younger drivers cost more – Older drivers are viewed as being more responsible, cause fewer claims and accidents and get fewer tickets. Inexperienced drivers have a tendency to be inattentive behind the wheel so insurance coverage rates are higher.
• Bad drivers pay high costs – How you drive has a huge affect on how much you pay. Even one speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers who have gotten careless citations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
• Compare rates if you consolidate your policies – Most larger insurance coverage companies will award a discount to people that have more than one policy. It’s known as a multi-policy discount. Discounts can amount to as much as ten percent or more Even if you already get this discount, you may still want to comparison shop to help ensure you have the lowest rates. You may still be able to save more without the discount by buying insurance coverage from a different company.

Car insurance can get complicated

When buying the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions might help in determining whether your personal situation might need professional guidance.

• What should my uninsured motorist coverage limits be in my state?
• Does my personal policy cover me when driving out-of-state?
• Does my insurance cover my expensive audio equipment?
• When should I remove comp and collision on my 2018 Honda Clarity?
• What can I do if my company denied a claim?
• How high should deductibles be on a 2018 Honda Clarity?
• Does liability extend to a camper or trailer?
• Can my babysitter drive my car?
• Am I getting all the discounts available?
• What is no-fault insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out your zip code.

Save $381 a year. For real?

Well-known car insurance companies like State Farm and Allstate consistently run ads on TV and radio. All the companies advertise claims that drivers will save a bundle if you just switch your car insurance coverage to their company. But how can every company give you a lower rate?

Car insurance companies have a certain “appetite” for the type of driver that earns them the highest profit. One example of a preferred risk may need to be over the age of 40, has other policies, and has excellent credit. Someone who fits those characteristics will get very good auto insurance rates and will also save if they switch.

Consumers who fall short of these standards will be quoted higher premiums and ends up with the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” save that kind of money. That is how companies can truthfully claim big savings.

This really emphasizes why it’s extremely important to compare quotes as often as possible. Because without a comparison, you cannot know which insurance companies will have the best rates.

Insurance specifics

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, medical services, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, nursing services, funeral costs, pain medications and ambulance fees. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Honda Clarity.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, falling objects and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

More choices the merrier

Consumers switch companies for any number of reasons including denial of a claim, poor customer service, lack of trust in their agent or even delays in paying claims. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

When searching for cheap auto insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

You just learned a lot of tips how to lower your 2018 Honda Clarity insurance auto insurance rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest auto insurance rates are with a small local company.